About Trivexano
The most tax-advantaged account in America, finally optimized properly
The average HSA balance is $4,300 against a system that lets a family shelter $8,550 a year, three separate ways. Trivexano exists to close that gap with real math, not a rule of thumb.
The Problem
HSAs get pitched as a nice-to-have. They are actually the only account in the U.S. tax code with a triple tax advantage: contributions are deductible, growth is tax-free, and qualified withdrawals are tax-free. Almost nobody uses one that way. Most participants treat it like a checking account for copays instead of a retirement account that happens to also cover medical costs, and the question of how much to contribute, where to invest it, and when to spend it gets answered by habit instead of arithmetic.
Our Approach
We pull IRS contribution limits, CMS HDHP deductible and out-of-pocket rules, SSA FICA wage bases, federal and state tax brackets, and BLS medical CPI, and run six frameworks against them: triple-tax NPV, optimal contribution strategy, HDHP vs. PPO break-even, investment allocation, Medicare transition planning, and HSA-vs-401(k) contribution ordering. The output is a plan, not a single number.
What We Optimize For
Government Data, Not Guesswork
Every number traces back to an IRS Revenue Procedure, a CMS deductible table, an SSA wage base, or BLS medical CPI. No black-box scoring.
The Full Lifetime, Not Just This Year
Most HSA calculators stop at this year’s tax deduction. We model the full triple-tax NPV: deduction, growth, and withdrawal, out to retirement.
Honest About the Tradeoffs
HDHP is not always the right call. We show the break-even medical spend where PPO wins, not just the answer that flatters the HSA.
Built for Advisors Too
Every calculation available to individuals is available through our developer API, so benefits consultants and HR platforms can build on the same math.
Part of Smart Technology Investments
Trivexano is a product of Smart Technology Investments LLC, a research-driven company that builds decision-intelligence tools out of data that was always public but never usable.
See our plans