HSA priority calculator
If you are HDHP-eligible, the HSA usually beats both Roth and Traditional on after-tax expected value. This calculator shows your annual cap and the priority order we use in the engine.
2026 contribution cap
$4,300
Engine priority order when HSA-eligible
- Capture full employer 401(k) match
- Eliminate toxic debt
- Max HSA
- Max IRA (Roth or Traditional)
- Increase 401(k) toward annual limit
- Taxable brokerage
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FAQ
- Why is the HSA "triple tax-advantaged"?
- Contributions are pre-tax, growth is tax-free, and qualified medical withdrawals are tax-free. No other account combines all three.
- Should I spend my HSA today or invest it?
- If cash flow allows, paying medical bills out-of-pocket and saving the receipts lets you invest the HSA balance and reimburse later — turning the HSA into a stealth retirement account.
- What happens after 65?
- After 65, HSA withdrawals for non-medical expenses are taxed like a Traditional IRA — no penalty.
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Educational guidance only. Not legal, tax, or individualized investment advice. We do not recommend individual securities or guarantee outcomes.