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  • Health Savings Account (HSA) Goal Calculator

    Are you looking at the Health Savings Account (HSA) as a retirement account? Do you have an amount in mind that you want to carry over into retirement? This calculator will help you determine what you need to do in order to reach your goal. (Please note: This calculator is intended to provide approximate information on loan payments and does not constitute an offer to extend credit. Your actual payment information may vary.)


    Health Savings Account (HSA)

    An HSA is a tax-advantaged account established to pay for qualified medical expenses of an accountholder who is covered under a high-deductible health plan. With money from this account, you pay for healthcare expenses until your deductible is met. Any unused funds are yours to retain in your HSA and accumulate towards your future healthcare expenses or your retirement.

    For complete details on HSAs you may wish to visit the U.S. Treasury at 

    What is your HDHP deductible amount?

    Your HDHP deductible amount is the amount you pay toward your own medical expenses, in a given year, before your insurance begins to cover any expenses. 

    What is your type of HDHP coverage? 

    Choose the insurance coverage type for your HDHP. Your choices are "Family" or "Single". 

    How much do you want to carry into retirement?

    The amount you wish to have in your HSA account when you retire. 

    How many years do you have to save before retirement?

    The number of years you will be able to save (contribute) into your HSA before you retire.

    What is the balance in your HSA?

    The total amount currently saved in your HSA.

    How much do you expect to spend on healthcare per month? 

    The amount per month you expect to spend on qualifying medical expenses.

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    Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. All calculations are based on user inputs and do not reflect any guarantee or commitment of the loan, interest rate, expected savings or tax advantage. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.