Investment Account Projector
Model any registered or tax-advantaged account in Canada or the United States — accumulation, preservation, and distribution in one projection.
Account type
Canada
United States
HSA
Health Savings Account — triple tax advantage
Annual limit: $4,150
Your contributions
Exceeds annual limit of $4,150
Typical: 5-8%
VerifiedAdvisorsHub · HSA Projector
Your HSA Projection
Projection
At end of contributions
$468,135
Year 30
After-tax spendable
$468,135
Tax-free
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About the HSA
Triple tax advantage — deductible in, tax-free growth, tax-free out for medical.
At a glance
Best for
- Healthy savers with HDHP access who can pay medical costs from cash flow
- High earners who've maxed 401(k) matching and need more tax shelter
- Long-horizon investors (HSA balances can compound for decades)
Watch out for
- Must be enrolled in an HDHP to contribute — Medicare enrollment ends eligibility
- Most custodians default to cash — actively move balances into investment options
- Keep receipts — tax-free reimbursement can happen years later
This is educational, not financial advice. An advisor can apply it to your specific situation.
About this tool
This calculator runs a three-phase simulation: accumulation (working years with contributions and growth), preservation (wind-down near retirement with a conservative return), and distribution (retirement withdrawals).
Account-specific features are included automatically: employer match for 401(k) plans, CESG grants for RESP, CDSG grants for RDSP, tax-free growth for TFSA/Roth accounts, tax-deferred growth for RRSP/traditional accounts, and capital-gains treatment for brokerage accounts.
Projections assume constant returns and don't model sequence-of-return risk, inflation (unless toggled), or tax-law changes. A licensed advisor can run stochastic simulations and build a comprehensive retirement plan.