No advisor required — HSAProof was built for the person with a shoebox, a shrug, or a spreadsheet that stopped in March. Fifteen minutes turns history into money.
Download EOB PDFs from your insurance portal (grab a whole year — batch-drop up to forty at once; scans and phone photos read free). Export a bank or card statement as CSV. Drag both in. The engine pairs what the insurer said you owed with the payment that settled it — exact matches, bundled payments, even orthodontist installment plans tracked mid-flight. Confirm each pairing with one click; watch the tax-free number grow.
Forward EOB emails to your private ingest address. Log mileage to appointments (2026 rate applied automatically). Turning 65? Set the Medicare premium series once and every month files itself with the SSA-1099 as proof. Each January, enter your 1099-SA and return status — the ledger reconciles the year and flags any gap before an examiner could.
Free forever: 10 confirmed matches, every feature of the packet, and every export. Plus $19/yr: unlimited matching and automatic bank link. Pro $59/yr: insurance connection and AI reading of rough scans. For scale: documenting $3,000/yr for 20 years protects about $27,000 of tax — the software costs less than one undocumented withdrawal's penalty.
Free plan includes every export, forever. Not tax advice.