Health savings account
Annual HSA contribution calculator
Calculate your tax savings, yearly contribution amounts and the potential future value of your HSA.
Health savings account
Retirement health savings checkup tool
Receive a personalized snapshot of your potential health care expenses in retirement. Get your estimate today so you can be prepared.
Flexible spending accounts
FSA savings calculator
See how an FSA can help your budget by saving on eligible health care expenses.
Commuter benefits
Commuter calculator
Commuter benefits can add up to some serious tax savings. See how much you could save.
Using your health account dollars
Qualified medical expense tool
Does your expense qualify? Use our qualified medical expense search tool to find out what qualifies.
Spend your HSA and FSA dollars
Shop for eligible products at Optum Now. Use your payment card for easy checkout.*
HSA asset allocation calculator
Find the mutual fund asset classes that best match your objectives and risk tolerance.
HSA FAQ
HSA savings calculations reflect your total contributions, estimated tax savings and potential interest and/or investment earnings over time — all based on the information you enter. This can help you estimate how much your HSA balance could grow over time and your future account value.
Estimated tax savings are calculated by applying an assumed tax rate to your HSA contributions and factoring in the account’s income tax‑free growth. Results are estimates only and may vary based on your personal tax situation.
Your health savings total is influenced by several key factors, including:
- Annual IRS contribution limits
- How much and how often you contribute to your HSA
- How long you keep funds in your HSA before using them
- The rate of interest and/or investment earnings over time
- How much you spend on qualified medical expenses
Your age affects your health savings estimate in a few important ways:
- Catch‑up contributions: If you’re 55 or older, you may be eligible to make IRS‑approved catch‑up contributions to your HSA each year, which can increase your total savings.
- Time to save and grow: Your age helps estimate how long you can continue contributing to your HSA. More years of saving generally allow more time for your balance to grow through interest or investment earnings.
- Contribution limits by year: Age is used alongside the tax year and coverage type to determine your maximum allowable contribution in the calculator.
No. All returns shown are estimates and not guaranteed. Actual HSA growth can vary based on contributions, investment performance and how funds are used over time.
*The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. Additionally, the code cannot be used for prescription drugs or virtual care visits. Promotional codes are not transferable or redeemable for cash or credit. To apply a promotional code you must enter it prior to completing the order. Free and expedited shipping offers do not apply to shipping outside of the contiguous United States. Additional shipping restrictions may apply. Optum Now is an affiliate of the UnitedHealth Group family of companies.
Investments are not FDIC insured, are not bank issued or guaranteed by Optum Financial or its subsidiaries, including Optum Bank, and are subject to risk including fluctuations in value and the possible loss of the principal amount invested.