HSA Triple Tax Advantage Calculator

Price all three tax breaks an HSA carries against the ordinary taxable account it displaces.

This is an estimate based on the numbers you have entered, not financial advice. NetWorthy never recommends a specific security and never moves money on your behalf.

Annual HSA contribution

Years

Expected annual return (%)

Marginal income tax rate (%)

Long-term capital gains rate (%)

$176,280.57

HSA balance

$123,681.26

Same money in a taxable account

$52,599.31

HSA advantage

$20,640.00

Income tax avoided

$10,291.99

Capital gains tax avoided

All three legs are priced: untaxed going in, untaxed while it grows, and untaxed coming out for qualified medical costs. Contribution limits and the penalty on non-medical withdrawals before 65 are not modelled.