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.
HSA calculators
Live now — built and tested against the actual 2026 IRS contribution limits and penalty rules.
HSA Calculator
LiveCheck your 2026 contribution limit and project your balance's tax-free growth over time.
HSA Tax Savings Calculator
LiveSee your real tax savings across federal, FICA, and state — not just a federal-only estimate.
HSA vs PPO Calculator
LiveCompare total annual cost between an HDHP+HSA and a PPO plan, including employer contributions.
HSA Withdrawal Penalty Calculator
LiveSee the tax and 20% penalty owed on a non-qualified withdrawal, and the three exceptions that waive it.
From the blog
Deep dives to help you get more out of every calculator above.
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.
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.