US HSA Calculator
Calculate Health Savings Account contributions, limits and tax benefits. Shows tax deductible amounts and tax-free withdrawal rules.
2025 Limit: $4,300
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$
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Annual Tax Savings
Your Tax Bracket
22.0%
Contribution
$3,000
Tax Savings
$660
Projected Balance (After 20 Years)
Total Contributed
$60,000
Investment Earnings
$71,596
Projected Balance
$131,596
🏥 HSA Benefits
✓Tax-deductible contributions
✓Tax-free withdrawals for medical expenses
✓No "use it or lose it" rule
✓Funds accumulate year to year
✓Can invest funds for growth
✓After age 65, works like traditional IRA
Qualifying Medical Expenses
✓ Doctor visits and prescriptions
✓ Deductibles, copays, and coinsurance
✓ Dental and vision care
✓ Medical equipment and supplies
✓ Mental health services
✓ Some over-the-counter medications (with prescription)
✗ Insurance premiums (with limited exceptions)
✗ Non-medical expenses