|Your everyday productivity workspaceCalculate HSA contribution limits, tax savings, and projected retirement balance with triple tax advantage.
Last updated: June 2026
Based on 2026 IRS HSA contribution limits
2026 IRS limit: $4,300 (individual) / $8,550 (family). Age 55+: +$1,000 catch-up.
2026 Contribution Room
$4,300
Remaining Room
$0
Total Annual Tax Savings
$1,161
Effective Cost
$3,139
Federal Tax Savings
$946
State Tax Savings
$215
Projected HSA at Retirement
$360,347
Monthly Healthcare Budget (est.)
$1,201
🏥 HSA's Triple Tax Advantage:
After age 65: withdraw for any purpose — taxed like Traditional IRA (no penalty).
⚠️ California and New Jersey do NOT recognize HSA state tax benefits — state income tax still applies if you live in CA or NJ.
Based on 2026 IRS HSA contribution limits. You must be enrolled in a qualifying High Deductible Health Plan (HDHP) to contribute to an HSA. Not financial advice.
2026 limits
$4,300 / $8,550
Triple tax
Contribute, grow, withdraw
HDHP required
Qualifying plan needed
Your feedback helps us build better tools.
Our free HSA Calculator computes 2026 IRS contribution limits, federal and state tax savings, effective cost, and projected HSA balance at retirement.
Shows the triple tax advantage clearly — tax-free contributions, growth, and qualified medical withdrawals.
No signup, runs entirely in your browser — your financial data stays private.
Read the full guide: HSA calculator 2026 guide
See remaining room under 2026 IRS limits.
Calculate federal + state tax benefit.
Project HSA growth until age 65.
Additional $1,000 catch-up contribution.
Understand HSA vs FSA trade-offs.