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The HSA Wealth Simulator

An HSA isn't just for spending. It is a triple-tax-advantaged investment vehicle. Use this simulator to see how much your health savings could grow by retirement.

Input Your Numbers

Current Age 30
Retirement Age 65
Annual Contribution $4,000

* Please select the correct annual maximum for the current tax year based on your coverage (Individual vs. Family).

Current HSA Balance $0
Rate of Return 7%

S&P 500 Historical Avg: ~10%

Note: We assume the IRS contribution limit increases by 3% annually to account for inflation.

Total Contributions

$0

Investment Growth

$0

Total at Retirement

$0
💡 Tax Note: This entire balance is 100% tax-free if used for medical expenses in retirement (including Medicare premiums!).

Start Your Journey

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