HSA Compound Growth Calculator

Model the long-term compound growth of your HSA, factoring in annual contributions, catch-up contributions, employer matches, and investment returns. See how the triple tax advantage can outperform a brokerage account over time.

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Your Strategy

Age 55+ Catch-Up ($1k) Applied automatically at age 55
100%
65

Contributions drop to $0 once Medicare begins.

Market Settings

Nominal Balance (Year 40)
$0
Actual future dollars
Real Balance (Year 40)
$0
Adjusted for inflation (Today's power)

Age-by-Age Breakdown (40-Year Projection)

Age Max IRS Limit Your Contribution Nominal Balance Real Balance (Adj.)

Model Assumptions

IRS & Tax Rules

  • Stagnant Catch-Up: The base limit grows with inflation, but the $1,000 Age 55+ catch-up is fixed by statute and remains flat.
  • Perfect Indexing: Assumes the IRS increases the base limit smoothly by the exact inflation rate every year, rather than stair-stepping.
  • Permanent Tax Advantage: Assumes the tax code does not revoke the HSA's triple-tax-advantaged status.

Market Math

  • Linear Returns: Assumes a flat rate of return, ignoring real-world market volatility.
  • End-of-Year Contributions: Assumes contributions are made on Dec 31st, meaning current-year funds do not experience intra-year growth.

Behavioral Strategy

  • The Ultimate "Shoebox": Assumes $0 in withdrawals for the entire 40-year period, requiring you to pay medical expenses out-of-pocket from other funds.

Important Disclaimer

This calculator is a simplified projection tool provided strictly for educational and illustrative purposes. It does not constitute financial, investment, tax, or legal advice.

The Bottom Line: These results are directional illustrations of how compounding and tax-free growth work over time. They are not forecasts or guarantees of future account balances. Your actual results will differ, potentially significantly.