What's inside
- Plan: age, coverage (self-only or family), balance, your contribution (or MAX), employer contribution, medical costs, return, inflation, tax rate, and the 2027 limits ($4,500 self-only, $9,000 family, +$1,000 from 55; 2026: $4,400 / $8,750), all editable
- Results: this year's contributions and room left, the balance when you stop contributing (and in today's dollars), what you, your employer and growth added, tax saved, and receipts you can reimburse tax-free later
- Year by year: limit, employer, you, tax saved, medical costs, paid from the HSA, balance and receipts saved, with a chart
- Sample: age 35, family coverage, maxing the HSA with $1,000 from the employer: $1,012,519 at 65 and $116,824 of tax saved with bills paid out of pocket, vs $813,546 paying them from the HSA
Checked, not just designed: all 513 formulas recalculate with zero errors, and every cell was checked against an independent year-by-year calculation in 8 scenarios.
Works in Excel and Google Sheets. Projections, not tax advice.
Try the free version first
The free online calculator uses the same model for a quick answer. The spreadsheet adds tracking, history and the full views.