Form 8889 trail
The page names the IRS trail a preparer will expect: HSA contribution limits, contribution room, and the Form 8889/Pub. 969 context behind the number.
HSA planning · Retirement tax stack
See the HSA room and tax value before you file.
An HSA can be deductible going in, tax-free while invested, and tax-free out for qualified medical costs. GlidePath turns the moving parts into a reviewable receipt: tax-year limit, coverage tier, age-55 catch-up, contributions already made, marginal-rate tax value, and long-term growth illustration.
Eligibility first
The assumptions are not hidden in fine print.
GlidePath keeps the HSA boundary in the calculator itself: qualifying HDHP coverage, no other disqualifying coverage, and no Medicare enrollment. The current model assumes full-year eligibility, so mid-year coverage and the last-month rule remain CPA-review items instead of quiet app guesses.
State caveat visible
California and New Jersey treatment is called out instead of being blended into one reassuring number that may not match the state return.
Long-term math, not a promise
The growth rate and horizon are user inputs. GlidePath shows what the assumptions imply and keeps investment outcome language out of the result.
Built for reviewer trust
Useful to the household. Readable to the CPA.
The point is not to make the HSA feel clever. It is to make the contribution room and tax value easy to inspect before tax season, with assumptions your CPA can challenge quickly.
Boundary
GlidePath does not decide whether you are HSA-eligible, does not file Form 8889, and does not provide tax, legal, or investment advice.
Questions
HSA calculator FAQ
Does GlidePath decide whether I am HSA eligible?
No. GlidePath makes the eligibility assumptions visible: qualifying HDHP coverage, no disqualifying coverage, and no Medicare enrollment. The current calculator assumes full-year eligibility and does not model the last-month rule.
Does the HSA calculator include state taxes?
It shows the federal marginal-rate estimate and keeps the California/New Jersey state-treatment caveat visible because those states do not follow the federal HSA deduction treatment.
Is the projected growth a forecast?
No. It is a labeled illustration based on the growth rate and time horizon you enter. It is there to show the long-term tax-free compounding math, not to predict an investment result.