HSA vs 401(k) vs Roth IRA investment calculator

HSAs are triple tax advantaged, which means the money you contribute to them is put in before taxes, grows tax free, and can be withdrawn tax free if used for qualified medical expenses. For these reasons, they're considered the best retirement account available. However, most people don't invest the funds within their HSA.

Use this simple calculator to find out how much money you could potentially earn by investing in an HSA vs investing in a traditional retirement account, such as a 401(k), IRA, and Roth IRA.

Current salary:

Withdrawal rate:

Filing status:

Common amounts

Amount
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
$8,000
$9,000
$10,000
$11,000
$12,000
$13,000
$14,000
$15,000
$16,000
$17,000
$18,000
$19,000
$20,000

Amount
$20,000
$21,000
$22,000
$23,000
$24,000
$25,000
$26,000
$27,000
$28,000
$29,000
$30,000
$31,000
$32,000
$33,000
$34,000
$35,000
$36,000
$37,000
$38,000
$39,000

Amount
$40,000
$41,000
$42,000
$43,000
$44,000
$45,000
$46,000
$47,000
$48,000
$49,000
$50,000
$51,000
$52,000
$53,000
$54,000
$55,000
$56,000
$57,000
$58,000
$59,000

Amount
$60,000
$61,000
$62,000
$63,000
$64,000
$65,000
$66,000
$67,000
$68,000
$69,000
$70,000
$71,000
$72,000
$73,000
$74,000
$75,000
$76,000
$77,000
$78,000
$79,000

Amount
$80,000
$81,000
$82,000
$83,000
$84,000
$85,000
$86,000
$87,000
$88,000
$89,000
$90,000
$91,000
$92,000
$93,000
$94,000
$95,000
$96,000
$97,000
$98,000
$99,000
$100,000

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