拠出時・運用益・医療費引き出し時の「三重非課税メリット」を持つHSA口座の複利成長と節税効果を試算。
Compounded over 30 years with 7.5% return. Total Contributions: $135,000 | Pure Gains: $362,147.
By investing inside an HSA rather than a standard taxable brokerage account, you accumulate an extra +$231,520 by age 65 purely due to tax elimination on deposits and compounding dividends.
\text{HSA}_n = P_0 (1+r)^n + \text{Deposit} \times \frac{(1+r)^n - 1}{r} + \sum_{k=1}^n \text{TaxSaved}_kCalculates tax-free compounding of annual deposits while adding immediate pre-tax deductions and eliminating capital gains drag.
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