US
The HSA Triple Tax Advantage: Why an HSA Can Beat a 401(k)
How the HSA's pre-tax, tax-free-growth, tax-free-withdrawal structure makes it the most tax-efficient account in the US system — and how to actually use it.
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United States · Savings & Investment
US Savings & Investment Calculators
US savers pick between several tax-advantaged wrappers, each with its own rules: a 401(k) for pre-tax (or Roth post-tax) workplace contributions with employer match, traditional and Roth IRAs for personal retirement contributions subject to income phase-outs, a Health Savings Account (HSA) with the only triple-tax-free treatment in the entire system, and a Flexible Spending Account (FSA) for plannable medical or dependent-care costs on a use-it-or-lose-it basis. Outside these wrappers sit taxable brokerage accounts and high-yield savings. The calculators here help size monthly contributions toward a goal, project long-run compound growth, and compare lump-sum versus regular investing under realistic returns.
Calculators
Compound Interest
See how your savings or investments grow with compound interest
Savings Goal
Calculate how much you need to save each month to reach your goal
Lump Sum vs Regular
Compare investing a lump sum against regular monthly contributions
Inflation
See how inflation erodes the purchasing power of money over time
Emergency Fund
Calculate how large your emergency fund should be
HSA
HSA contribution limits and triple-tax-advantaged savings
Key terms
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Annual Percentage Yield (APY)
The standardised annual rate of return on a US savings or deposit account, accounting for the effect of compounding within the year.
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Flexible Spending Account (FSA)
An employer-sponsored US account that lets employees set aside pre-tax dollars for medical or dependent-care expenses, with a use-it-or-lose-it annual deadline.
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Health Savings Account (HSA)
A US tax-advantaged account paired with a High-Deductible Health Plan, offering triple tax benefits — deductible contributions, tax-free growth, tax-free qualified withdrawals.