HSA Contribution Optimizer

Triple tax advantage vs taxable account.

Annual HSA contribution ($)

Years

Expected return (%)

Current marginal rate (%)

Tax on investment gains (%)

HSA (tax-free for qualified use)

$102,391

Taxable account (after taxes)

$66,618

HSA advantage: $35,773

Simplified. HSA has annual limits and qualified medical rules. After 65 non-medical withdrawals are taxable like traditional IRA.