HSA Balance Projector

Simple year-by-year HSA projection with contributions, reimbursements, and growth.

Medical Disclaimer

This calculator is for informational and educational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider before making decisions about your health. Never disregard professional medical advice or delay seeking it because of results from this tool.

Inputs

Starting balance

Annual contribution

Annual withdrawals

Investment return %

Years

Tab to move between fields

Results

Ending balance

$43,765

Total contributions$49,800

Total withdrawals$21,600

How to Use This Calculator

Enter your current HSA balance in the 'Starting balance' field.
Set your expected annual contribution — check IRS limits for the current year.
Enter estimated annual withdrawals for qualified medical expenses.
Set an investment return percentage (5–7% is a common long-term assumption).
Adjust the 'Years' field to see your projected ending balance over different horizons.

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