HSA Future Value Calculator


This calculator will help you to determine the future value of your Health Savings Account (HSA) based on your forecasted contributions, qualified medical expenses, and expected return on investment.

Reference: For a full description of HSAs please refer to IRS Publication 969 (2018), Health Savings Accounts and Other Tax-Favored Health Plans.

Your Contribution Info

Average annual contribution:
Annual withdrawels for qualified medical expenses:
Number of years to accumulate:
Federal tax rate percentage:
State tax rate percentage: *
Estimated percent rate of return on HSA:

Your Results

Net HSA contributions:
Tax savings (on HSA contributions):
Earnings on HSA investment:
Tax savings (on HSA earnings):
HSA future value:
Total tax savings (earnings and contributions):

Pigly's Tip

* Certain states do not offer tax benefits for HSA contributions. If your state does not allow benefits please input your state tax rate as 0 in the above calculator.

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