As Taxes Rise, One Tax-Free Account Remains Hidden in Plain Sight.
Transform your Health Savings Account from a reimbursement account into a long-term tax-free investment vehicle.
Calculate Your Tax ShieldThe Checking Account Mistake
Most people treat their HSA like a checking account and immediately spend contributions on medical bills.
- Deposit
- Medical Expense
- Reimburse
- Repeat
That process costs you. If you can comfortably pay eligible costs out of pocket instead, keeping HSA funds invested will give your account time to grow, tax-free.
The Power of Uninterrupted Growth
See the difference between withdrawing for medical expenses and letting your invested HSA grow.
- Leave it invested
- Withdraw $5,000 a year
| Year | Leave it invested | Withdraw $5,000 a year |
|---|---|---|
| Year 0 | $10,000 | $10,000 |
| Year 1 | $20,625 | $15,125 |
| Year 2 | $32,313 | $20,763 |
| Year 3 | $45,169 | $26,964 |
| Year 4 | $59,311 | $33,785 |
| Year 5 | $74,867 | $41,289 |
| Year 6 | $91,978 | $49,543 |
| Year 7 | $110,801 | $58,622 |
| Year 8 | $131,506 | $68,609 |
| Year 9 | $154,282 | $79,595 |
| Year 10 | $179,335 | $91,679 |
| Year 11 | $206,894 | $104,972 |
| Year 12 | $237,208 | $119,594 |
| Year 13 | $270,554 | $135,679 |
| Year 14 | $307,234 | $153,372 |
| Year 15 | $347,583 | $172,834 |
| Year 16 | $391,966 | $194,242 |
| Year 17 | $440,787 | $217,792 |
| Year 18 | $494,491 | $243,696 |
| Year 19 | $553,565 | $272,190 |
| Year 20 | $618,547 | $303,534 |
| Year 21 | $690,027 | $338,013 |
| Year 22 | $768,654 | $375,939 |
| Year 23 | $855,145 | $417,658 |
| Year 24 | $950,284 | $463,549 |
| Year 25 | $1,054,938 | $514,029 |
Illustrative only
Model assumptions
| Assumption | Leave it invested | Withdraw $5,000/yr |
|---|---|---|
| Starting balance | $10,000 | $10,000 |
| Added each year2026 family HSA contribution limit | $8,750 | $8,750 |
| Taken out each year | none | $5,000 |
| Annual growth | 10% | 10% |
| Years | 25 | 25 |
| Ending balance | about $1,055,000 | about $514,000 |
Hypothetical growth, not guaranteed. Added and taken out at the start of each year. Withdrawn funds are spent, not reinvested.
Ready to Build Your Shield?
See how this strategy could impact you, using your numbers.
Calculate Your Tax ShieldImportant information
This tool is for general education only and isn't tax, legal, or financial advice. For your specific situation, talk to a qualified tax professional.
The figures above are an illustrative estimate based on a hypothetical 10% annual return. Past performance does not guarantee future results.