Planning & Goals
HSA Calculator
Compare HDHP vs. PPO costs and project triple-tax-advantaged HSA growth to retirement.
PrivateRuns in your browserEstimateBenefit limits 2026
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Planning calculators turn a few household inputs into a directional answer. Revisit the assumptions when your income, expenses, family, or goals change.
401(k), HSA, HDHP, and health FSA limits use 2026 official-source data where relevant.
Smart next steps
- If cash flow allows, invest the HSA and pay current bills out of pocket — it compounds tax-free.
- Contribute at least enough to cover the HDHP deductible gap vs. a PPO.
- Max it before a taxable brokerage — it's the only triple-tax-advantaged account.