What happens to unused HSA funds at the end of the year?

Unlike FSAs, HSA funds never expire and roll over year after year indefinitely, acting as a powerful supplemental retirement account after age 65.

Who is eligible to open and contribute to an HSA?

You must be enrolled in a qualifying High-Deductible Health Plan (HDHP) and not be covered under other non-HDHP health insurance or Medicare.

USAHSA Triple Tax AdvantageFinanzen

US Health Savings Account (HSA) Contribution & Triple Tax Advantage Calculator

Calculate your immediate annual federal and FICA tax savings and long-term compound growth using an HSA paired with a High-Deductible Health Plan (HDHP).

Steuern & Abgaben Gesundheitswesen Finanzen & Investition

Eingabedaten

Echtzeit-Berechnung

HDHP Health Plan Coverage Type

Your Annual HSA Contribution ($)

Schnellauswahl:

Your Federal Marginal Tax Bracket (%)24 %

10 %37 %

Years Invested Until Retirement20 yrs

1 yrs40 yrs

Berechnetes ErgebnisHSA Triple Tax Advantage

Total Immediate Annual Tax Saved (Federal + FICA)

$2,706.07

Projected Future Tax-Free HSA Balance (at 7% Growth)

$350,511

Payroll FICA Tax Saved (7.65% via Payroll Deduction)

$654.07

Detaillierte Berechnungsübersicht

Income Tax Saved

$2,052

FICA Tax Saved

$654.07

Total Tax Saved/yr

$2,706.07

Future HSA Wealth

$350,511

Berechnungsmethodik

Annual Tax Savings = HSA Contribution * ((Marginal Federal Tax Rate% + FICA 7.65%) / 100). Long-Term Value = Compounded at 7% annual growth over investment horizon.

Wichtiger rechtlicher Hinweis

2025/2026 IRS HSA contribution limits: $4,300 for individual self-only coverage and $8,550 for family coverage (plus $1,000 catch-up for age 55+).

Dieser Rechner dient ausschließlich Informations- und Bildungszwecken. Die Ergebnisse stellen keine verbindliche Finanz-, Steuer- oder Rechtsberatung dar.

Häufig gestellte Fragen

HSA contributions are 100% tax-deductible, investment growth is tax-free, and withdrawals for qualified medical expenses are completely tax-free.

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US Health Savings Account (HSA) Contribution & Triple Tax Advantage Calculator

Eingabedaten

Detaillierte Berechnungsübersicht

Berechnungsmethodik

Wichtiger rechtlicher Hinweis

Häufig gestellte Fragen

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