HSA Trackr

IRS-sourced 2026 and 2027 limits

HSA ROI calculator for contribution room, timing, and proof

Compare reimburse-as-incurred and preserve-the-record scenarios without turning receipts into imaginary wealth. Account balance, expense records, proof readiness, and tax assumptions stay separate.

Free scenario modelExportable summaryNo account requiredNot tax or investment advice

Your assumptions

Build a decision-useful scenario

Start with contribution room, then compare reimbursement timing and the records you expect to preserve.

1. Contribution rules

Uses the published IRS limit for the selected year.

Family means qualifying coverage beyond self-only.

Simple monthly proration. The last-month rule and testing period are not modeled.

Adds the federal catch-up amount before monthly proration.

Counts toward the same annual contribution limit.

The model estimates tax effect only on this personal amount within contribution room.

2. Account and record scenario

Starting account balance before the modeled years.

Only expenses you are modeling as qualified and not reimbursed elsewhere.

A recordkeeping assumption, not a reimbursement probability.

The selected annual limit and cash-flow assumptions stay constant in the illustration.

Before account fees. Investment returns can be negative.

3. Current-year tax assumptions

Use your marginal rate, not your effective tax rate.

Enter 0 if not applicable. State HSA conformity varies.

Enable only if your employer confirms HSA contributions are made pre-tax through a cafeteria plan. Adds a 7.65% employee FICA illustration; wage thresholds and employer tax effects are not modeled.

Current-year contribution room

$0

Remaining after the employer and personal contribution amounts entered above.

2026 family limit
$8,750
Catch-up included
$0
Prorated for 12 eligible months
$8,750
Planned employer + personal
$8,750
Estimated current-year tax effect
$1,705

10-year timing comparison

Same inputs, different reimbursement timing

Reimburse as incurred

Modeled expense amount leaves the HSA each year.

$124,323

Preserve supported records

No modeled distribution; HSA dollars remain exposed to the selected return.

$158,864

Modeled timing difference

$34,541

This is an account-balance difference, not a reimbursable amount, return forecast, or recommendation.

Record readiness

Receipts are not the account balance
Expense records modeled
$25,000
Proof-ready subset
$20,000
Record proof gap
$5,000
Modeled annual contribution
$8,750
Combined tax-rate assumption
22%

HSA Trackr keeps the receipt, supporting evidence, reimbursement history, and remaining reserve together. It does not guarantee that an expense or distribution qualifies.

Start a proof-ready record free

Assumptions and boundaries

This is an educational scenario model, not tax, legal, investment, or medical advice. It does not promise investment returns, eligibility, reimbursement, tax savings, or audit outcomes.

  • Contributions are modeled at the start of each year and expenses at year-end.
  • The selected annual limit, contribution, expense, and return stay constant across the horizon.
  • Proration excludes the last-month rule, testing period, Medicare timing, and spouse catch-up coordination.
  • The FICA illustration applies only to contributions made pre-tax through a qualifying Section 125 cafeteria plan and excludes wage-cap effects.
  • The tax estimate excludes account fees, employer payroll tax, and state HSA nonconformity.
  • Expense records are not automatically qualified or reimbursable; your facts and evidence control.
  • A proof-ready percentage measures modeled record completeness, not the likelihood of reimbursement.
IRS Rev. Proc. 2025-19Reviewed Inspect the IRS source

The 2026 limits come from Rev. Proc. 2025-19. The 2027 limits come from Rev. Proc. 2026-24. HSA distribution and recordkeeping rules are described in IRS Publication 969.

HSA ROI calculator questions

What does this HSA ROI calculator measure?

It separates current-year contribution room, an estimated tax effect, two reimbursement-timing balance scenarios, and modeled expense-record readiness. It does not predict reimbursement or investment returns.

Does the calculator guarantee HSA tax savings?

No. The tax result is an illustration based on the marginal rates and payroll path you enter. It does not model every federal or state rule, wage threshold, fee, or future law change.

Are saved receipts the same as an HSA balance?

No. The HSA balance is money in the account. Expense records are evidence that may support a distribution if the expense and records satisfy the applicable rules. The calculator keeps those amounts separate.

Why does the calculator ask for employer contributions?

Employer contributions generally count toward the same annual HSA contribution limit, so they reduce the remaining contribution room available in the model.