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

For education and illustration only — not advice. This calculator is provided "as is" with no warranty. Results are estimates based on your inputs and simplifying assumptions; they are not financial, investment, tax, or legal advice and do not create any advisory or client relationship. Do not rely on this tool as the basis for any financial decision. Consult a qualified, licensed professional regarding your circumstances. Full Disclaimer & Terms.

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.