Model your HSA contributions, investment return, and timeline. See how paying medical bills out of pocket today turns into six-figure tax-free wealth decades from now.
Hypothetical illustration only. Past performance not guaranteed. Assumes contributions invested at start of each year. Not tax advice.
Every qualified expense you pay out of pocket is a future tax-free withdrawal waiting to happen. Reimbursable helps you track every receipt so nothing slips through the cracks — free forever for manual tracking.
Start tracking freeThis calculator models the deferred-reimbursement HSA strategy: contribute the maximum each year, pay current medical bills from your checking account, and let your HSA balance compound in low-cost index funds. Because the IRS places no time limit on HSA reimbursements, every receipt you save today becomes a future tax-free withdrawal — even decades from now.
Contribute the family max of $8,300/year, invest at 7% for 30 years, and your HSA balance grows to roughly $840,000 — entirely tax-free for qualified medical withdrawals. Even modest contributions compound dramatically because HSAs are the only triple-tax-advantaged account: deductible in, tax-free growth, tax-free out.
For 2026, the IRS HSA contribution limit is $4,400 for self-only coverage and $8,750 for family coverage. Account holders age 55+ can contribute an additional $1,000 catch-up amount.
If you can pay current medical expenses out of pocket, invest your HSA in low-cost index funds and let it compound tax-free. The receipts you save become future tax-free withdrawals — there is no IRS deadline on HSA reimbursements. See our guide on the top HSA investment providers.
Any expense for the diagnosis, cure, mitigation, treatment, or prevention of disease — defined in IRS Publication 502. This covers medical services, prescriptions, dental, vision, mental health, and OTC medications. Browse all 890+ items in our directory.