One of your biggest expenses in retirement could be your tax bill, but using these three accounts will help ensure that you can keep more of your savings for yourself.

When you contribute to an HSA, Roth IRA, or Roth 401(k), you're setting yourself up to take tax-free withdrawals in the future. What's more, qualified withdrawals from those accounts won't count toward your adjusted gross income. This can affect taxes on Social Security and Medicare premiums, helping you keep even more of your money. Here's how these three accounts work, and how they might fit into your retirement plan.

An HSA, or health savings account, is a special account designed for people enrolled in a qualifying high-deductible health insurance plan.

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Source Fool.com