How it works

1 Just type in your monthly premium from a traditional plan and the monthly premium from the HSA account. HSA accounts often have discounted rates, so the calculator takes the difference in premiums to be the invested amount.
2 Enter your current age and expected annual interest rate(for example, interest rates at your local bank are about 5%.)
3 The calculator will then show you how much additional money you would save by investing your money tax-free.

Traditional HSA
Monthly Insurance Premium: $ $
Deductible (Annual): $ $
Maximum out of Pocket (Annual): $ $
Your Age:
Annual Interest Rate:
You have years to save until you are 65 years old.
Money Invested Monthly (HSA):
Same amount invested per month without the tax advantage:
HSA funds to be used at or after age 65:
After Capital Gains Tax:

Amount you save by investing in an HSA:                 

With a Healthy Savings Account™, you could save hundreds per month on health insurance premiums, and your monthly investment could grow in tax-free dollars for health-care related costs.