HSA Contribution Optimizer
Maximize your triple tax advantage with Health Savings Accounts
Your Information
Enter your financial details
Max Contribution (2026)
$4,150
Current$2,000
48% of max
Annual Tax Savings
$1,230
By maximizing your HSA contribution
Future Value at Age 65
$31,591
Assuming 7% annual return
Note: Recommendation
📈 Increase contribution by $2,150 to save an additional $637 in taxes.
Triple Tax Advantage
HSAs are the only account with three tax benefits
1
Tax-Deductible Contributions
Contributions reduce your taxable income by $4,150
2
Tax-Free Growth
Investments grow tax-free (no capital gains tax)
3
Tax-Free Withdrawals
Withdrawals for medical expenses are tax-free at any age
HSA Eligibility Requirements
Ensure you meet these criteria before contributing
- Enrolled in a High Deductible Health Plan (HDHP)
- Not enrolled in Medicare
- Not claimed as a dependent on someone else's tax return
- No other health coverage that is not an HDHP
This calculator provides estimates based on 2026 IRS limits. Consult a tax professional for personalized advice.