HSA Growth Calculator

See what an invested HSA balance could grow to if you pay medical costs out of pocket instead.

HDHP coverage

Age

Current HSA balance ($)

Your annual contribution ($)

Years until you'd tap it

Expected annual return (%)

Only applies if you invest the HSA balance rather than holding it in cash.

Projected HSA balance

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Educational estimate, not tax or investment advice — projected growth assumes the balance stays invested and ignores fund fees. Not every HSA provider offers investment options below a minimum cash threshold; check your specific administrator's rules.