Withdrawals for qualified medical expenses are always tax-free, so leave the tax rate below at 0% unless you're modeling a non-medical withdrawal. Enter your balance to see how long it lasts.
Total spending you want covered, before subtracting guaranteed income below
Lasts about years ( months)
Max sustainable withdrawal: / month
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HSA withdrawals for qualified medical expenses are tax- and penalty-free at any age. A non-medical withdrawal is taxed as ordinary income and, before age 65, also carries a 20% penalty.
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