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HSA Planning
Estimate HSA eligibility, contribution limits, triple tax advantage, medical spending, and long-term investment value.
Estimated HSA Limit
$4,400
Based on 2026 self-only/family coverage limits and age 55+ catch-up.
Projected HSA Value
$313,574
Based on $4,400 per year and 7.0% expected return.
Contribution & Eligibility Snapshot
HSAs require eligible high-deductible health plan coverage. Employer contributions count toward the annual limit.
Limit Used
100%
Annual HSA Limit
$4,400
Based on coverage type and age.
Employer Contribution
$750
Counts toward the HSA limit.
Tax Savings Today
$876
Estimated from deductible employee contributions.
Over Limit Risk
$750
Avoid excess HSA contributions.
HSA Inputs
Enter coverage, contribution, employer contribution, and spending assumptions.
Triple Tax Advantage Projection
Estimate the value of deductible contributions, tax-free growth, and qualified medical withdrawals.
HSA Advantage
$90,293
Projected HSA value
$313,574
Estimated long-term HSA value.
Taxable account equivalent
$223,281
Estimated after-tax value outside an HSA.
Projected growth
$197,074
Estimated investment growth inside HSA.
Medical Expense Planner
Compare near-term medical spending against long-term HSA investment growth.
Medical Expenses
$30,000
Estimated over your planning period.
Annual Withdrawal
$0
Only applied when spending current HSA dollars.
Cash Reserve Gap
$0
Amount needed to reach cash reserve target.
Investable Amount
$310,574
Projected HSA value above reserve target.
Recommendation Summary
A simple HSA priority based on your current inputs.
Suggested next move
Reduce contribution
Your planned employee plus employer contribution appears above the estimated annual HSA limit. Lower the contribution to avoid excess contribution issues.
Step 1: Confirm eligibility
Only contribute if you have HSA-eligible high-deductible health plan coverage and no disqualifying coverage.
Step 2: Capture employer HSA money
Employer HSA contributions count toward your limit, but they are still valuable because they add funded healthcare savings.
Step 3: Keep a medical cash buffer
A cash reserve can cover near-term healthcare costs without forcing you to sell investments.
Step 4: Invest the long-term excess
Long-term HSA investing can be powerful because qualified medical withdrawals may be tax-free.
HSA Rules Snapshot
Important HSA rules to understand before contributing.
Triple tax advantage
HSAs can offer deductible contributions, tax-deferred growth, and tax-free qualified medical withdrawals.
Qualified medical expenses
Withdrawals for qualified medical expenses are generally tax-free when properly documented.
Age 65 flexibility
After age 65, non-medical withdrawals are generally taxed like ordinary income, similar to a Traditional IRA.
Portable account
HSAs are owned by you, so the account can generally move with you even if you change jobs or health plans.
Educational content only — not financial advice.