Project entered HSA contributions, scheduled distributions, and net growth while comparing annual contributions with a verified external limit.
A quick decision brief for this specific tool
Current HSA balance, planned annual contributions and distributions, whole projection years, an entered annual net-return scenario, and an externally verified annual HSA contribution limit
Amount above entered limit, planned contributions/distributions, funded and unfunded modeled distributions, modeled growth, and ending balance
Month-by-month cash-flow projection that applies an entered net return, adds equal contributions, funds scheduled distributions only from available balance, and never invents tax savings
Choose your path
Project entered HSA contributions, scheduled distributions, net return, and available balance without deciding eligibility, qualified-expense treatment, tax savings, or investment suitability.
Compare total planned annual contributions with a verified coverage/month-specific limit.
Confirm HDHP/HSA eligibility, eligible months, employer funding, all HSA contributions, coverage type, and catch-up rules before entering the limit.
Sees any modeled amount above the entered limit without assuming eligibility or a deduction.
Test whether scheduled cash distributions can be funded from the modeled balance.
Enter cash flows and horizon, then compare scheduled, funded, and unfunded distributions while retaining receipts and classification externally.
Does not treat a modeled distribution as qualified, reimbursable, or tax-free.
Separate cash-flow arithmetic from product and investment decisions.
Enter a net-return assumption after fees and inspect modeled growth while reviewing plan options, liquidity needs, and loss risk separately.
Uses the result as a scenario, not a triple-tax or investment recommendation.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
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Model a 401(k) balance from current savings, annual employee and employer contributions, a whole-year horizon, and an entered net-return scenario.
The planned annual contribution is compared with the annual limit you enter. Confirm coverage type, eligible months, employer and employee funding, all HSAs, and any catch-up under current section 223 guidance before choosing that limit.
Amount above entered limit = max(0, planned annual contribution − entered limit)Each month applies the entered net return, adds one-twelfth of the annual contribution, and funds no more than the available balance toward one-twelfth of scheduled distributions. The balance never becomes negative.
Balance = prior balance × (1 + monthly net return) + monthly contribution − funded distributionThe model reports cash flows and growth only. Eligibility, deduction or payroll treatment, qualified expenses, reimbursement records, Form 8889, income inclusion, and additional tax depend on current facts and rules.
Cash-flow projection ≠ tax benefit or qualified-distribution determinationUpdated: August 2026
Use the entered 2026 self-only general limit only after confirming the exact person's eligibility and eligible months.
→ Shows contribution comparison, scheduled and funded distributions, modeled growth, and ending balance with no tax-savings estimate.
Include employer and employee amounts in an annual contribution larger than the entered limit.
→ Shows $600 above the entered limit without deciding eligibility, deduction, correction, or excise tax.
Test a short horizon with distributions larger than the amount the scenario can fund.
→ Keeps the modeled balance at zero and separates funded from unfunded scheduled distributions.
This page performs a bounded HSA cash-flow projection. It adds equal monthly portions of the annual contribution, applies the entered net-return scenario, and funds equal scheduled distributions only from the available modeled balance. It does not determine HSA eligibility, qualified medical expenses, deductions, payroll-tax effects, reimbursement rights, investment suitability, or distribution tax.