See the triple tax advantage of a Health Savings Account by calculating your annual tax savings on contributions, tax-free growth on investments, and tax-free withdrawals for medical expenses. This calculator projects your HSA balance over time with compound investment growth and shows total lifetime tax savings. Updated with 2024 federal tax brackets, standard deductions, and contribution limits.
No spam. Unsubscribe anytime.
| Tax Rate | Single Filer | Married Filing Jointly |
|---|---|---|
| 10% | $0 – $11,600 | $0 – $23,200 |
| 12% | $11,601 – $47,150 | $23,201 – $94,300 |
| 22% | $47,151 – $100,525 | $94,301 – $201,050 |
| 24% | $100,526 – $191,950 | $201,051 – $383,900 |
| 32% | $191,951 – $243,725 | $383,901 – $487,450 |
| 35% | $243,726 – $609,350 | $487,451 – $731,200 |
| 37% | Over $609,350 | Over $731,200 |
This hsa savings calculator uses the latest 2024 federal tax brackets, standard deduction of $14,600 (single) / $29,200 (married filing jointly), and updated contribution limits. The Social Security wage cap for 2024 is $168,600, and the 401(k) contribution limit is $23,000.
All calculations are performed in your browser with no data sent to any server. Results are instant, free, and completely private.
Guides and updates about NexTool calculators.
Compare the included tool uses and AI allowances before choosing a plan.
Stripe checkout confirms the final amount, any eligible trial, and renewal terms before payment.
Compare all plans and annual billing2024 max: $4,150 (individual) / $8,300 (family)
Tip: Pay out-of-pocket now and let HSA grow. Withdraw tax-free later.