Calculate your HSA tax savings and projected growth as a stealth retirement account.
HSAs offer a unique triple tax benefit: (1) contributions are tax-deductible, (2) growth is tax-free, (3) withdrawals for medical expenses are tax-free. After 65, non-medical withdrawals are taxed like a Traditional IRA (no penalty). 2025 limits: $4,300 individual, $8,550 family, plus $1,000 catch-up if 55+.