Wealth & Health IRC § 223 Stealth IRA

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

HDHP Coverage Plan (2026 Limits)

Annual HSA Contribution ($)

Age 55+ Catch-Up (+$1,000)

Combined Marginal Tax Bracket (%)

32%

Includes Federal + State + FICA 7.65% (via payroll deduction).

Expected S&P 500 / Stock Market Return (%)

Investment Time Horizon (Years)

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

1. Tax-Free In

Contributions are 100% tax-deductible and exempt from 7.65% FICA payroll taxes.

2. Tax-Free Growth

Dividends and capital gains compound with $0 annual drag or 1099-DIV taxes.

3. Tax-Free Out

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.

25 Years

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!