HSA Value Estimator

Your HSA Is Worth More
Than You Think

Adjust the sliders. Watch the IRS bill shrink in real time.

$115,000
$45K$400K
$2,800
$500$12,000

We'll email a personalized PDF tax-savings breakdown.

Projected Tax Savings — This Year

$0

Federal + FICA + State combined

10-Year Compounded Growth

$0

At 7% avg. annual return, invested contributions

You're Currently Handing the IRS

$0per year

For absolutely no reason. This stops the day you open a Vault.

Your bracket: 0% federal
Triple Tax Advantage·FDIC Insured to $250,000·Zero Monthly Fees·Same-Day Reimbursement·Invest Your Balance·Rolls Over Every Year·Triple Tax Advantage·FDIC Insured to $250,000·Zero Monthly Fees·Same-Day Reimbursement·Invest Your Balance·Rolls Over Every Year

Guarantee 01 — Financial Safety

We guarantee your funds are FDIC-insured to $250,000 — or we cover the difference.

Every dollar you deposit is held at FDIC-member partner banks. Your HSA balance is protected the same way your checking account is, with the same federal backstop that has never failed a depositor in U.S. history.

Source: FDIC.gov — 12 CFR Part 330. Coverage applies per depositor, per institution, per ownership category. Vault partner banks maintain full FDIC membership in good standing as of 2026.

Safety Credentials

FDIC Insurance Limit

Per depositor, per bank

$250,000

Partner Bank Rating

S&P credit rating

AA–

Years FDIC Has Operated

Est. 1933, zero failures

91 yrs

Vault Security Audits

SOC 2 Type II certified

Quarterly

Claims Processed — All Time

847,293

updating live

Guarantee 02 — Tax Optimization

We guarantee zero monthly fees until your balance reaches $5,000 — no asterisks.

Most HSA providers charge $3–$5/month in 'maintenance fees' that quietly erase hundreds of dollars in tax savings. Vault charges nothing until your balance hits $5,000, and even then, only 0.25% annually — less than a single doctor's visit copay.

IRS Publication 969 (2025): HSA contribution limits for 2026 are $4,300 (self-only) and $8,550 (family). Contributions are pre-tax, earnings grow tax-free, and qualified withdrawals are tax-free — the only triple-tax account in the U.S. tax code.

Fee Comparison — Vault vs. Industry

Monthly Maintenance Fee (Vault)

Until $5,000 balance

$0.00

Industry Average Monthly Fee

$50/year avg.

$4.17

Investment Threshold (Vault)

Invest from dollar one

$1

Industry Investment Threshold

Typical minimum

$1,000

Annual Fee After $5K (Vault)

All-in, no hidden costs

0.25%
Y1Y3Y5Y7Y10$4,300$59K+

Guarantee 03 — Long-Term Wealth

We guarantee same-day reimbursement — or Vault covers the claim out of pocket.

Submit a receipt before 3:00 PM ET and your reimbursement hits your linked account the same business day. Not two to five business days. Not 'pending review.' The same day. This is a contractual guarantee, not a marketing promise.

Vault Reimbursement SLA — Section 4.2: For claims submitted before 15:00 ET on any business day with valid documentation, Vault guarantees same-business-day ACH transfer. Claims submitted after cutoff process the following business day. If we miss the SLA, we fund the claim from Vault operating reserves.

Reimbursement Performance — Last 90 Days

Same-Day Success Rate

Last 90 days

99.7%

Avg. Reimbursement Time

Median, business hours

3.2 hrs

SLA Misses (Covered by Vault)

We paid every one

14

Eligible Expense Categories

IRS-qualified items

1,400+

Reimbursements Processed Today

1,847

updating live

Personalized Assessment

Five questions.
One plan built around your taxes.

The calculator showed you the number. The assessment sharpens what you do with it. Takes under two minutes.

$1,847

Avg. Annual Savings

2,341

Plans Opened This Month

$58,900

Avg. 10-Year Return