HSA Contribution Optimizer
HSAs are the only account with triple-tax-advantage: pre-tax in, tax-free growth, tax-free out for medical. Enter your income and coverage type to see your 2024 limit, tax savings, and 20-year growth projection.
Your HSA Profile
20-Year Growth Projection
Invested at 7%
$188K
Current balance + $346/mo
Held as cash
$85K
No investment growth
Investing your HSA balance instead of holding cash adds $103K in additional wealth over 20 years — triple-tax-free.
Medical Coverage Capacity
Annual OOP
$1,800
Years Covered
104.6
Projected Balance
$188K
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Invest your HSA — most people leave it in cash earning 0.1%. Invested in an index fund, it becomes a stealth retirement account: contributions are pre-tax, growth is tax-free, and withdrawals for medical expenses are tax-free.
Source: IRS Publication 969