HSA Hoard: Receipt Vault

Downgate Labs LLC

In-app purchases

About this app

HSA Hoard is the receipt vault built for the shoebox strategy. If you treat your Health Savings Account as a retirement vehicle, or just prefer to do reimbursements in a batch, this is the app you've been looking for.

Most HSA apps focus on spending your money. HSA Hoard focuses on protecting the receipts that let you withdraw it tax-free — days, months, years, or decades from now.

HOW IT WORKS

Snap a photo of any HSA eligible receipt and enter the details, or add AI scanning and let the app do it for you. HSA Hoard stores everything securely on your device and backs it up to your own Google Drive; not our servers, yours. Your receipts are always under your control, exactly where the IRS needs them to be, and can easily be exported to CSV or PDF.

BUILT FOR LONG-TERM HSA RECEIPT STORAGE

Unlike other health savings account apps, HSA Hoard is designed for people who defer reimbursement. Track your unreimbursed medical expenses over time and watch your reimbursable total grow. When you're ready to withdraw — whether next year or in retirement — your receipts and totals are organized and waiting.

GOOGLE DRIVE BACKUP YOU OWN

Your receipts are backed up to your personal Google Drive account. No proprietary cloud. No vendor lock-in. If you switch phones, change jobs, or stop using the app, your receipt archive is still right there in your Drive. This is your data, permanently.

AI SCANNING CAPABILITIES

Tired of typing in totals by hand? Unlock AI scanning capabilities and let HSA Hoard read your receipts automatically. Point your camera, and the app extracts the provider name, date, and amount for you. No manual data entry, no mistakes. AI scanning capabilities are available as an optional upgrade — you can always enter receipts manually for free.

YOUR HSA RETIREMENT VAULT*

The shoebox strategy works because the IRS has no deadline for HSA reimbursement. Pay medical expenses out of pocket today, keep the receipts, let your HSA investments grow tax-free, and reimburse yourself whenever you want — even 20 or 30 years later. HSA Hoard is the digital shoebox that replaces spreadsheets, file folders, and actual shoeboxes.

KEY FEATURES

- AI scanning capabilities for automatic data extraction
- Long-term receipt storage and organization
- Running total of unreimbursed HSA expenses
- Easy export of receipt batches to CSV or PDF (including images)
- Google Drive backup to your own cloud storage
- No account required — works with any HSA provider
- Clean, fast, and built for the shoebox strategy
- Works with Fidelity, Lively, HealthEquity, Optum, or any HSA

WHO IS HSA HOARD FOR?

HSA Hoard is for health savings account holders who invest their HSA and save receipts for future tax-free withdrawals. If you contribute the max each year, pay medical bills out of pocket, and need a reliable place to store your receipts for IRS compliance, HSA Hoard is your app.

Whether you're early in your career building a health savings account balance, or approaching retirement and ready to start reimbursing decades of medical expenses, HSA Hoard keeps your receipt documentation organized, backed up, and tax-ready.

SIMPLE PRICING, NO ADS

HSA Hoard is free to use for up to 10 receipts with manual entry. Need more? Vault Unlock is a one-time purchase — no subscriptions, no recurring fees, no ads. Want AI to read your receipts for you? AI scanning capabilities are available as a separate upgrade. Your HSA receipt vault, your choice.

Stop losing medical receipts. Stop trusting spreadsheets with your retirement strategy. Download HSA Hoard and start building your receipt vault today.

*HSA Hoard does not provide tax or other financial advice. Consult with your tax professional.

What’s new

Improved AI receipt reading experience and reliability.