saving calc test page Find out how much you save over time with XHP Annual Contributions Average Spend How many years do you wish to see: 5 years 10 years 15 years NOTE : XHP calculators are for illustrative purposes only and are not intended to be a substitute for your independent opinion or personal advice from a financial planner who can advise you based on your circumstances. The fields are pre-populated with default data, all of which can be changed for simulation by you.