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HSA Growth Calculator

Project the future value of a Health Savings Account from contributions and investment growth.

Current HSA balance

Annual contribution

Expected annual return

Years

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How it works

Each year: balance = balance × (1 + return) + annual contribution

An HSA is triple tax-advantaged: contributions, growth and qualified medical withdrawals are all untaxed. Invested and left to compound, it can become a powerful long-term account, not just a spending pot.

Worked example

$5,000 plus $4,150/year at 6% for 25 years grows to roughly $250,000.

Frequently asked questions

Can I invest an HSA?

Many HSA providers let you invest the balance above a cash minimum in funds, just like a retirement account.

What if I use it for medical costs?

Withdrawals for qualified medical expenses are tax-free at any time, which is the account’s core benefit.

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Educational estimate, not investment advice. Returns are assumptions, not guarantees — markets fluctuate and past performance does not predict the future.