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
HSA balance
$248,509
Lifetime tax savings
$25,800
Investment growth
$156,009
Total contributed
$92,500
Psst — share this and help Rex grow
One click, a permanent link with your numbers baked in.
How to use this
- 1Enter annual contribution ($).
- 2Enter annual medical spending from hsa ($).
- 3Enter years.
- 4Enter annual return (%).
- 5Enter marginal tax rate (%).
- 6Enter current balance ($).
- 7Read your hsa balance on the right — it updates as you type.
- 8Hit Share to keep the scenario or send it to someone.
About this calculator
An HSA is the only account that's deductible going in, tax-free growing, and tax-free coming out for medical costs. Invested, it beats most retirement accounts per dollar.
Worked example
Using the values the calculator loads with:
Inputs
- Annual contribution: 4300 $
- Annual medical spending from HSA: 800 $
- Years: 25
- Annual return: 7 %
- Marginal tax rate: 24 %
- Current balance: 5000 $
Results
- HSA balance: $248,509
- Lifetime tax savings: $25,800
- Investment growth: $156,009
- Total contributed: $92,500
What each field means
Inputs
- Annual contribution ($)
- The annual contribution used in the calculation, measured in $. Starts at 4300 $ so you have a working example on load.
- Annual medical spending from HSA ($)
- The annual medical spending from hsa used in the calculation, measured in $. Starts at 800 $ so you have a working example on load.
- Years
- The years used in the calculation. Starts at 25 so you have a working example on load. Accepted range: 1–50.
- Annual return (%)
- The annual return used in the calculation, measured in %. Starts at 7 % so you have a working example on load. Accepted range: 0–20 %.
- 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: 0–55 %.
- Current balance ($)
- The current balance used in the calculation, measured in $. Starts at 5000 $ so you have a working example on load.
Results
- HSA balance
- 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.
- Lifetime tax savings
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Investment growth
- 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
- 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 growth & tax savings calculator work?
An HSA is the only account that's deductible going in, tax-free growing, and tax-free coming out for medical costs. Invested, it beats most retirement accounts per dollar. The underlying maths is: FV of contributions + tax deduction value
What do I need to enter?
6 values: annual contribution, annual medical spending from hsa, years, annual return, marginal tax rate, and current balance. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the hsa balance 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.
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). HSA Growth Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/hsa-growth
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/hsa-growth" target="_blank" rel="noopener">HSA Growth Calculator — RevenueLab</a> (2026).</p>
Source: [HSA Growth Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/hsa-growth) (2026).