HSA Tax Savings Calculator

Tax saved = contribution × marginal tax bracket. Triple tax advantage with HDHP.

Inputs

2025 limits: $4,300 single / $8,550 family.

Result

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General calculation reads

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How to use this calculator

  • Enter contribution amount.
  • Enter your federal + state marginal rates.
  • Toggle FICA savings (employee plan = yes).

About this calculator

HSA (Health Savings Account, requires HDHP enrollment) has unique triple tax advantage: contributions tax-deductible, growth tax-free, withdrawals tax-free for qualified medical. Employer payroll deduction also avoids 7.65% FICA. 2025 contribution limits: $4,300 single / $8,550 family + $1,000 catch-up if 55+. Unused balance rolls over forever (vs. FSA which is "use or lose"). Best retirement vehicle for medical expenses.

Frequently asked

HDHP requirement?+
Must be enrolled in High-Deductible Health Plan: ≥$1,650 single / $3,300 family deductible (2025 limits).
Triple advantage?+
Tax deduction on contribution + tax-free growth + tax-free withdrawal for medical. No other account has all three.
Use for retirement?+
After 65, withdrawals for non-medical are taxed as income (no penalty) — like a Traditional IRA. For medical: still tax-free.
Family limit double?+
Roughly. Single $4,300 → Family $8,550 (2025). Both spouses on family plan share the limit.
HSA vs. FSA?+
HSA: rolls over, requires HDHP, owned by you. FSA: use-it-or-lose-it (some carryover allowed), any plan, employer-owned.

Related calculators

FSA Tax Savings Calculator
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Health Plan: Deductible vs Premium
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ACA Subsidy Estimator
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Auto + Home from same carrier typically saves 5-25%.
Life Insurance Cash Surrender Value
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