HSA Calculator
Project HSA growth and the lifetime tax savings of HSA contributions.
Inputs
How it works
Contributions are pre-tax (savings = contribution × marginal rate). Unspent amount (contribution − medical) is invested monthly and grows tax-free for qualified medical expenses. 2026 IRS limits: $4,400/$8,750.
Frequently asked questions
Is this a quote?
No — these are educational ballpark estimates. For an actual quote, talk to a licensed agent or run a comparison platform.
Term or whole life?
Term is usually best for most families — cheap, simple, and right-sized to the working years. Whole life is far pricier and suits niche estate planning.
How much coverage do I need?
A common rule is 10–12× annual income, but DIME (Debts, Income, Mortgage, Education) gives a sharper number.
What's an HSA?
A Health Savings Account paired with a high-deductible plan — triple tax-advantaged for qualified medical expenses.
What's the elimination period on disability?
The waiting time before benefits start. Longer waits lower premiums.