Calculators

HSA Calculators

Contribution limits and growth, real tax savings across federal/FICA/state, HSA vs. PPO plan comparison, and the withdrawal penalty — the full HSA toolkit, all free, no signup.

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HSA calculators

Live now — built and tested against the actual 2026 IRS contribution limits and penalty rules.

HSA Calculator

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Check your 2026 contribution limit and project your balance's tax-free growth over time.

HSA Tax Savings Calculator

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See your real tax savings across federal, FICA, and state — not just a federal-only estimate.

HSA vs PPO Calculator

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Compare total annual cost between an HDHP+HSA and a PPO plan, including employer contributions.

HSA Withdrawal Penalty Calculator

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See the tax and 20% penalty owed on a non-qualified withdrawal, and the three exceptions that waive it.

✓ This is the full HSA toolkit — contribution and growth, tax savings, plan comparison, and withdrawal penalties are all covered. We'll expand this section if new HSA-specific questions come up.

From the blog

Deep dives to help you get more out of every calculator above.

RetirementComing soon

HSA as a "Stealth IRA": Using Your HSA as a Retirement Account

Why investing your HSA and paying medical bills out of pocket can beat a traditional IRA after 65.

ExplainerComing soon

The HSA Triple Tax Advantage, Explained (And the One Exception That Trips People Up)

Pre-tax in, tax-free growth, tax-free out — plus the FICA nuance most explainers skip.

Frequently asked questions

Before you pick an HSA calculator.

Which HSA calculator should I use?

Start with the HSA Calculator for contribution limits and growth. Use the Tax Savings Calculator for a full federal/FICA/state breakdown, HSA vs. PPO if you're choosing between plans during open enrollment, and the Withdrawal Penalty Calculator if you're considering a non-medical withdrawal before age 65.

Is the HSA Tax Savings Calculator different from the main HSA Calculator?

Yes — the main HSA Calculator gives a simplified federal-only tax savings estimate alongside contribution limits and growth projections. The dedicated Tax Savings Calculator breaks the same contribution down across federal, FICA, and state tax separately, for a more complete picture.

Are these calculators free?

Yes — every calculator on this page is free to use, with no signup or account required.