HSA Growth Calculator

Pay Now, Grow Later

Pay a medical bill out of pocket, leave the money invested, and reimburse yourself later — tax-free.

Expense Amount

Date of Service

Years to Delay10 years

Expected Annual Return7%

Results

Future Value$4,918

Extra Gain+$2,418

Extra tax-free growth if you wait

+$2,418

Pay the $2,500 bill out of pocket today, wait 10 years at 7% a year, then reimburse yourself in 2036. The same receipt could be worth $4,918 — all of it tax-free.