HSA Calculator
Updated on 22 Oct 2026 · Checked by Aotob
Putting $4,400 into an HSA saves about $1,305 in tax this year.
Invested at 6% and spending $1,000 a year, it grows to $125,071 in 20 years.
Tax saved this year
$1,305
An HSA is triple tax-free: contributions skip income tax (and FICA through payroll), growth is untaxed, and withdrawals for medical costs are tax-free. After 65 you can take it for anything, taxed like an IRA.
Show the working
4,400 × (22% + 7.65% FICA) = 1,305
Balance over time
2026 HSA limits
| Cover | Limit | Age 55+ |
|---|---|---|
| Self-only | 4,400 | 5,400 |
| Family | 8,750 | 9,750 |
Questions people ask
What are the 2026 HSA limits?
$4,400 for self-only cover and $8,750 for family cover, plus $1,000 if you are 55 or older. Employer contributions count toward the limit.
Why is an HSA “triple tax-free”?
Contributions are tax-deductible (and free of FICA through payroll), growth is tax-free, and withdrawals for medical costs are tax-free.
Who can open one?
Anyone covered by a high-deductible health plan (deductible at least $1,700 self-only or $3,400 family in 2026) and not on Medicare.
Updated 22 Oct 2026Source: IRS: 2026 HSA limits (Rev. Proc. 2025-19)Checked by AotobPayroll contributions also save 7.65% FICA.Report an issue