VaultHSA captures, classifies, and substantiates every qualified medical expense, so your HSA's triple-tax advantage actually works for you. Pay out of pocket today. Reimburse tax-free whenever you want.
Open Your Vault →HSA contributions are tax-deductible. Growth is tax-free. Withdrawals for qualified expenses are tax-free. And the IRS lets you reimburse yourself years later for expenses incurred after your HSA was opened. That's the delayed reimbursement strategy: pay out of pocket, let your HSA compound, reimburse whenever you need cash. The catch? You need receipts, classification, and an audit-ready paper trail. Most people use a shoebox.
Everything you need to treat your HSA as both a spending account and a long-term wealth tool.
Upload receipt photos, EOBs, invoices, pharmacy confirmations. AI extracts merchant, date, amount, and category. Permanent audit-ready storage.
Classifies expenses as "likely qualified," "needs documentation," or "likely nonqualified." Anchored in IRS Publication 502. No false certainty.
Link bank and credit accounts. Auto-detect pharmacies, providers, labs, and hospitals. Confirm qualification and upload evidence in seconds.
See cash balance, invested balance, holdings, contributions, and investment activity across your HSA accounts in one dashboard.
Contribution progress, annual limits, catch-up eligibility, unreimbursed "bank," claimable balance, and alerts for Medicare enrollment and coverage changes.
Generate audit-ready packets. Expense date, payee, amount, family member, qualifying rationale, linked documents, and duplicate prevention.
Select "current spender," "balanced," or "maximize for retirement." VaultHSA adapts its recommendations to your approach.
Link your HSA, bank accounts, and cards. Upload past receipts in bulk. VaultHSA continuously scans for medical transactions and prompts you to confirm and document.
Every expense gets a confidence-based qualification rating. Snap photos, forward digital receipts, drag in PDFs. Each one becomes a structured, searchable audit record.
Watch four numbers: contribution progress, invested balance, unreimbursed bank, and tax-free reimbursement available today. Reimburse when you want, not when you have to.
Every receipt you capture today is a tax-free dollar you can access tomorrow, next year, or in retirement. VaultHSA makes sure nothing slips through the cracks.
Start Capturing Receipts →