Models the 'Stealth IRA' strategy by paying current medical expenses out-of-pocket, keeping receipts, and letting your HSA compound tax-free in low-cost index funds. For example, letting $4,000 annual contributions compound at 8% for 25 years builds a ~$315,000 tax-free wealth fund that can be reimbursed at any time in retirement with accumulated receipts.
HSA "Stealth IRA" Triple-Tax-Advantage Calculator
Discover how investing your HSA in index funds beats a 401(k), IRA, and taxable brokerage account with triple tax-free compound growth.
HSA Strategy Inputs
Includes Federal + State + FICA 7.65% (via payroll deduction).
Upfront Tax Saved / Yr
$2,736 / yr
Immediate tax refund
Tax-Free HSA Nest Egg
$740,290
25-Year Compound Growth
Extra Wealth vs Brokerage
+$238,410
Pure tax drag eliminated
The 3 Pillars of the Triple-Tax Advantage
Contributions are 100% tax-deductible and exempt from 7.65% FICA payroll taxes.
Dividends and capital gains compound with $0 annual drag or 1099-DIV taxes.
Withdraw tax-free for medical expenses anytime, or withdraw for anything penalty-free after 65.
HSA vs. Taxable Brokerage Compounded Wealth
Visualizing the real impact of eliminating dividend & capital gains tax drag.
The "Shoebox Receipt" Strategy Explained
Under IRS rules, there is no time limit on when you must reimburse yourself for qualified medical expenses. If you pay a $1,000 doctor bill out of pocket today and save the receipt, you can leave your $1,000 inside the HSA to grow to $10,000 over 30 years — and then pull out the $1,000 100% tax-free anytime in retirement!
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