Three steps between a pile of medical paperwork and a tax-free balance you can withdraw whenever you choose — with an audit packet ready the day anyone asks.
Batch-drop EOB PDFs from your insurer's portal (select forty at once; scans and phone photos are read by built-in OCR at no cost). Import bank statements as CSV/OFX — reaches years back, free. Forward emails to your personal ingest address and the ledger files them itself. Connect Medicare (free) for claims straight from CMS. Or go fully automatic: link your insurance (Pro) and your bank (Plus). Manual entry with a receipt covers everything else — glasses, therapy, mileage to appointments, Medicare premiums after 65.
This is the part nothing else does. The engine reads what your insurer says you owed and finds the bank or card payment that settled it — exact matches, composites (three line items summing to one card charge), split payments, and payment plans in progress, where it tracks paid-so-far against the total ("$600 of $1,200 · payment 3 of ~6") and attaches each new installment automatically. Every proposal shows its reasoning in plain English; you confirm with one click. Anything unmatched is surfaced honestly: claims awaiting payment on one side, unexplained medical charges (often capturable cash-pay expenses) on the other.
Every confirmed expense carries Level 1 (what was owed — the adjudication or receipt, stored encrypted with a SHA-256 fingerprint) and Level 2 (what you paid — the matched bank record). Level 3 closes the double-dip question per tax year: your return status, and the custodian's 1099-SA reconciled against recorded reimbursements — with any gap flagged in red before an examiner finds it. The audit packet groups everything year by year, cites the statute, and proves its own history with a tamper-evident hash chain. Record reimbursements when you take them (lump sums apply to oldest expenses first, so newer ones keep compounding), and the hero always shows the number that matters: withdrawable today, tax-free.
One click exports everything — every original document byte-identical, all data including raw payer payloads, the packet, and a manifest of fingerprints — on every plan, including free. A record system you can't leave is a record system you can't trust.
Free plan includes every export, forever. Not tax advice.