Relocation by Numbers

HSA Calculator

See your 2025 contribution limit, this year's real tax savings, and how your HSA balance could grow over time with tax-advantaged investing.

Accounts for federal, FICA, and state tax rules — including California and New Jersey's HSA non-conformity.

See methodologyPlanning estimates only. Results depend on your inputs, tax status, and assumptions.
2025 IRS limitsFederal + FICA + state savingsCA/NJ handlingGrowth projection
Your HSA
Family HDHP minimum deductible: $3,300 · max out-of-pocket: $16,600 (2025 IRS figures).
Income & taxes
California does not conform to the federal HSA tax exemption: your contribution is still taxed at the state level, and investment growth inside the account is taxed annually as ordinary income (not tax-deferred). Both are accounted for below.
Growth assumptions
Assumes contributions are invested (not spent on current medical expenses) and made at the start of each year. This calculator does not model ongoing withdrawals for medical spending.
Total tax savings this year
$2,535

Federal $1,881 + FICA $654 + state $0, from contributing $8,550.

Projected balance in 20 years
$364,435

$171,000 contributed + $188,435 tax-advantaged growth, on top of your $5,000 starting balance.

Balance at other horizons
In 5 years$58,418
In 10 years$131,087
In 20 years$364,435
In 30 years$796,290
An HSA has three tax advantages: contributions are pre-tax (or deductible), growth is tax-free, and withdrawals for qualified medical expenses are tax-free. After age 65, non-medical withdrawals are taxed as ordinary income (like a traditional IRA) with no penalty — before 65, non-medical withdrawals carry a 20% penalty plus ordinary income tax. This tool does not model neighborhood-level HDHP plan selection, HSA custodian fees, or investment sequencing. Planning estimates only, not tax or investment advice.
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How this calculator works

Enter your coverage type, contribution amounts, and income. The calculator applies the actual 2025 IRS limits, then computes your real combined tax savings — federal income tax, FICA (Social Security and Medicare), and state income tax — by comparing your tax bill with and without the contribution, the same verified tax engine used across this site's other calculators.

It then projects how your HSA balance could grow over time if invested, accounting for the fact that California and New Jersey tax HSA contributions and annual investment earnings at the state level, unlike every other state.

2025 IRS limits

Self-only, family, and 55+ catch-up contribution limits.

Real tax savings

Federal, FICA, and state — not just a flat estimate.

CA / NJ handling

The only two states that tax HSA contributions and growth.

Growth projection

Balance at 5, 10, 20, and 30 years, plus your custom horizon.

Good to know before you use it

An HSA is the only account with a true triple tax advantage: pre-tax contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses.

Exceeding the contribution limit triggers a 6% excise tax each year the excess remains in the account, unless withdrawn before the tax deadline.

The growth projection assumes contributions are invested rather than spent on current medical expenses, and doesn't model custodian fees or investment sequencing risk.

This calculator is not tax or investment advice.

✓No account or sign-up required
✓Uses your actual marginal tax rate, not a flat estimate
✓Handles CA/NJ HSA non-conformity

Frequently asked questions

What is the HSA contribution limit for 2025?+
$4,300 for self-only HDHP coverage, $8,550 for family coverage, plus a $1,000 catch-up contribution if you're 55 or older.
What is the triple tax advantage of an HSA?+
Contributions are pre-tax, growth is tax-free, and qualified medical withdrawals are tax-free — no other account offers all three.
Do California and New Jersey tax HSA contributions?+
Yes. They're the only two states that don't conform to the federal HSA exemption — contributions are still state-taxed, and earnings are taxed annually as ordinary income rather than growing tax-free.
What if I contribute over the limit?+
Excess contributions face a 6% excise tax each year they remain in the account, unless withdrawn (with earnings) before the tax deadline.
Can I spend HSA money on non-medical expenses?+
Yes, but under 65 you'll owe ordinary income tax plus a 20% penalty. After 65, only ordinary income tax applies — no penalty.

Keep planning your finances

Once your HSA plan is set, see how it fits into your broader retirement and relocation picture.

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