Four stations 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.
EOBs, a statement export, or a live connection. Five ways in, most of them free.
Four passes, strongest evidence first. Every proposal carries a confidence and a reason.
Agree, disagree, or confirm every high-confidence match at once. Nothing is decided for you.
Reimburse now or decades later. Record it when you do, and the packet writes itself.
Real screens, real numbers from the sample ledger.
One number, always visible: the confirmed, documented balance you could take out of the HSA today without owing a cent of tax.
Orthodontics paid in installments? The engine tracks paid-so-far against the total and attaches each new payment as it arrives.
Medical merchants on your card with no claim behind them are surfaced as unexplained charges. Most are cash-pay expenses worth capturing.
The audit packet groups exhibits by tax year, pairs every expense with its payment, states the statutory basis, and carries SHA-256 fingerprints.
Not mockups. These are the review queue, the approved screen, and the audit packet, on the sample ledger.
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, which 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.
What you'll see after this step: a claims table with service date, provider, patient, what the plan paid, and what the insurer says you owed. Beside it, every medical-looking charge from your card or checking account. Nothing is matched yet; that is the next station's job.
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 paid, payment 3 of about 6") and attaches each new installment automatically. Every proposal shows its reasoning in plain English. Anything unmatched is surfaced honestly: claims awaiting payment on one side, unexplained medical charges (often capturable cash-pay expenses) on the other.
What you'll see after this step: a review queue. Each card puts what you owed on the left, what you paid on the right, an equals sign between them, and a confidence: high, medium, or needs review. When two claims could explain the same charge, the engine refuses to guess and leaves both open with a note saying why.
Nothing joins the ledger on its own. Confirm a card and the pair is permanently linked; say "not a match" and both sides return to their open lists. When the queue holds several high-confidence proposals, one button confirms them together, and each can still be undone individually. Every decision is written to the hash-chained event log.
What you'll see after this step: the reimbursable balance at the top of the page climbs with every confirmation. Every confirmed expense now carries EOB proof (what was owed, stored encrypted with a SHA-256 fingerprint) and Payment proof (what you paid, the matched bank record).
Tax proof 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.
What you'll see after this step: a Tax proof tab with one row per year, and under Export, the audit packet as a print-ready document with exhibits in order, the CSV ledger, and the full archive.
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.