Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
2026 contribution limit
$9,050
Tax saved this year
$1,899.00
Remaining contribution room
$2,300
Total going in this year
$6,750
Balance after your investing horizon
$276,720
Total contributed over that period
$135,000
Psst — share this and help Rex grow
One click, a permanent link with your numbers baked in.
How to use this
- 1Enter coverage type.
- 2Enter age 55 or older?.
- 3Enter your planned annual contribution ($).
- 4Enter employer contribution ($).
- 5Enter marginal tax rate (%).
- 6Enter contributed via payroll?.
- 7Enter years invested.
- 8Enter investment return (%).
- 9Read your 2026 contribution limit on the right — it updates as you type.
- 10Hit Share to keep the scenario or send it to someone.
About this calculator
An HSA is the only triple-tax-advantaged account: deductible going in, tax-free growth, tax-free withdrawals for medical costs. Paying current bills out of pocket and investing the balance maximizes it.
Worked example
Using the values the calculator loads with:
Inputs
- Coverage type: Family
- Age 55 or older?: No
- Your planned annual contribution: 6000 $
- Employer contribution: 750 $
- Marginal tax rate: 24 %
- Contributed via payroll?: Yes (saves FICA too)
- Years invested: 20
- Investment return: 7 %
Results
- 2026 contribution limit: $9,050.00
- Tax saved this year: $1,899.00
- Remaining contribution room: $2,300.00
- Total going in this year: $6,750.00
- Balance after your investing horizon: $276,719.57
- Total contributed over that period: $135,000.00
What each field means
Inputs
- Coverage type
- Pick the option that matches your situation — the maths changes per option. Choices: Self-only, Family.
- Age 55 or older?
- Pick the option that matches your situation — the maths changes per option. Choices: No, Yes (+$1,000 catch-up).
- Your planned annual contribution ($)
- The your planned annual contribution used in the calculation, measured in $. Starts at 6000 $ so you have a working example on load.
- Employer contribution ($)
- The employer contribution used in the calculation, measured in $. Starts at 750 $ so you have a working example on load.
- Marginal tax rate (%)
- The marginal tax rate used in the calculation, measured in %. Starts at 24 % so you have a working example on load. Accepted range: 0–50 %.
- Contributed via payroll?
- Pick the option that matches your situation — the maths changes per option. Choices: Yes (saves FICA too), No.
- Years invested
- The years invested used in the calculation. Starts at 20 so you have a working example on load. Accepted range: 0–45.
- Investment return (%)
- The investment return used in the calculation, measured in %. Starts at 7 % so you have a working example on load. Accepted range: 0–12 %.
Results
- 2026 contribution limit
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Tax saved this year
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Remaining contribution room
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total going in this year
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Balance after your investing horizon
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total contributed over that period
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the hsa contribution & tax savings calculator work?
An HSA is the only triple-tax-advantaged account: deductible going in, tax-free growth, tax-free withdrawals for medical costs. Paying current bills out of pocket and investing the balance maximizes it. The underlying maths is: Tax savings = Contribution × (marginal rate + FICA if payroll-deducted).
What do I need to enter?
8 values: coverage type, age 55 or older?, your planned annual contribution, employer contribution, marginal tax rate, contributed via payroll?, years invested, and investment return. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the 2026 contribution limit result mean?
It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). HSA Contribution Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/hsa-contribution
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/hsa-contribution" target="_blank" rel="noopener">HSA Contribution Calculator — RevenueLab</a> (2026).</p>
Source: [HSA Contribution Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/hsa-contribution) (2026).