HSA cash vs invested

Grow the invested amount at the entered return while cash stays at 0%.

See how HSA cash versus invested dollars can affect household finances. Investing an HSA is one of several retirement solutions, not advice.

State of residence

Labels the illustrated state and tax-year pack. This tool’s numbers do not change with state income tax. Medicare, HSA, 401(k), and RMD rules stay federal.

HSA amount left in cash

HSA amount invested

HDHP coverage

Your age

This year's HSA contribution

Expected annual return

Years

Nothing is saved. Leaving this page restores the example.

Example report

Illustrated results

Cash left uninvested

$5,000

Invested ending value

$11,983

Difference

$6,983

2026 HSA contribution limit

$4,400

Cash vs invested HSA balance

Assumptions

Cash is illustrated at 0% return. Invested amounts use the entered expected return with no extra contributions.
IRS Rev. Proc. 2025-19: 2026 HSA limit is $4,400 for this coverage.
HSA contributions generally must stop once enrolled in Medicare. Qualified medical expense tax treatment is not modeled.
Rule year 2026: IRS federal income tax (2026-rev-proc-2025-32) and California state rules (2026-enacted-v1; progressive income tax). Medicare IRMAA, HSA, 401(k), and RMD tables are federal.

Educational planning software—not investment, tax, legal, Medicare, or Social Security advice. Projections depend on your inputs and assumptions. Optional professional review is separate when available.

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