Free HSA Tools & Calculators
Make smarter HSA decisions with our suite of free tools. Check eligibility, calculate tax savings, verify expenses, and more — all based on current 2026 IRS rules.
Free Forever
All tools are 100% free with no sign-up required.
Based on 2026 IRS Data
Every calculation uses the latest IRS-published limits and thresholds.
AI-Powered Expense Checker
Smart natural-language lookup for HSA-eligible medical expenses.
Eligibility Verification
Check whether you qualify for an HSA based on your insurance plan and IRS rules.
Use ToolContribution Calculator
Calculate your maximum HSA contributions, tax savings, and paycheck impact.
Use ToolHDHP vs PPO
Compare the true cost of an HDHP with HSA versus a PPO plan based on your income, medical usage, and tax situation.
Use ToolWhy Use HSA Tools?
Health Savings Accounts offer powerful tax advantages, but navigating the rules can be complex. Our free tools help you make the most of your HSA by providing instant answers to common questions — all based on the latest 2026 IRS guidelines.
Did you know?
HSAs offer a rare triple tax advantage: contributions are tax-deductible, earnings grow tax-free, and withdrawals for qualified medical expenses are never taxed. No other account offers all three.
Whether you are just getting started with an HSA or looking to optimize your strategy, these calculators and checkers give you clarity without the guesswork. Each tool is built on current IRS-published limits, thresholds, and eligible-expense lists so the results you see are always up to date.
Contribution Limit
$4,400
Self-only
Contribution Limit
$8,750
Family
Catch-Up (55+)
+$1,000
Extra per year
Tools Available
6
Always free
What You Can Do
Verify eligibility
Confirm your health plan qualifies as an HDHP before opening an HSA.
Maximize contributions
Calculate the optimal contribution amount based on your tax bracket and filing status.
Check expenses
Instantly verify whether a medical expense qualifies for tax-free HSA payment.
Project growth
See how your HSA could grow tax-free over 10, 20, or 30+ years with investing.
Stay compliant
Audit your annual HSA activity to avoid costly IRS penalties.
Ready to Optimize Your HSA?
Start with our most popular tool and find out if you qualify for an HSA in under 2 minutes.
Disclaimer: These tools provide general information based on publicly available IRS guidelines and are intended for educational purposes only. They do not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified tax professional before making decisions about your Health Savings Account.