I built SaveMyHSA to stop losing HSA receipts (and stop leaving tax-free growth on the table)

Like a lot of people with an HSA, I kept running into the same two problems: I'd lose paper and email receipts before I ever got around to reimbursing myself, and when I did remember, I'd reimburse immediately instead of letting the money stay invested and grow tax-free for years.

HSAs are the only account with a triple tax advantage - pre-tax contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. The IRS lets you reimburse yourself for an eligible expense any time after you incur it, even decades later, as long as you can prove it happened after the HSA was opened. That means the smart move is often to pay out of pocket now, save the receipt, and let the HSA balance compound - then reimburse yourself whenever you actually need the cash.

The problem is nobody has a good system for holding onto receipts for that long. So I built SaveMyHSA: a simple place to upload and organize medical, dental, and vision receipts, track what's been reimbursed vs. what's still available, and see how much your unreimbursed balance could be worth if you leave it invested instead of cashing out today.

Free plan covers up to 3 receipts, no credit card required. Paid tiers start at $3.99/mo for people who want to track more.

Would love feedback from anyone else who's dealt with the "where did I put that HSA receipt" problem: https://savemyhsa.com