Track expenses, store receipts, and know your unreimbursed balance -- across decades, across custodians, across your whole family.
Click an expense to see every detail — receipt, OCR data, reimbursement status
Whether you're tracking one year of expenses or thirty, HSA IQ keeps every receipt organized, every dollar accounted for.
Photograph a receipt, and OCR extracts date, provider, amount, and type of service. No more spreadsheet rows.
Search the IRS Section 213(d) database. Know instantly if an expense qualifies, doesn't, or needs a letter of medical necessity.
See exactly how much you can withdraw tax-free, right now. Broken down by year and family member.
Track expenses for your spouse and dependents with shared access. No more competing spreadsheet edits.
Annual summaries organized for Form 8889 preparation. Export to TurboTax, H&R Block, or your accountant.
Your data exports to open formats anytime. Auto-backup to your own cloud storage. You own your data, always.
Search 135+ IRS expense categories -- free, no account required.
Check eligibility →No upsells. No hidden tiers. Start with a 14-day free trial, cancel anytime.
Your HSA data needs to last decades. We built every layer of this product around that promise.
All receipts and financial data encrypted at rest and in transit
Export everything -- receipts, data, history -- in open formats, anytime
Sync to Google Drive or Dropbox. Your data lives where you control it
Works across any HSA custodian. Switch providers without losing history
The shoebox strategy is based on IRS Notice 2004-50, which confirms there is no time limit on when you can reimburse yourself from your HSA for qualified medical expenses. You can pay for medical expenses out of pocket today, keep the receipts, let your HSA investments grow tax-free, and reimburse yourself years or even decades later. HSA IQ helps you track these unreimbursed expenses so you always know your available balance.
Yes. All data is encrypted with AES-256 at rest and TLS 1.2+ in transit. Receipt images are stored with 99.999999999% durability. We perform daily backups with 30-day recovery. Your data is never sold or shared with third parties.
Absolutely. You can export all your expense data as CSV, download receipt images as a ZIP archive, and generate tax-prep summaries at any time. We believe in full data portability -- your data is always yours.
After cancellation, you retain full access until your current billing period ends. We recommend exporting your data before then. After cancellation, we retain your data for up to 60 days, after which your account and data are permanently deleted.
The eligible expense checker references 135+ expense categories based on IRS Section 213(d) and Publication 502. When you enter an expense, we tell you whether it is generally HSA-eligible, ineligible, or may require a Letter of Medical Necessity (LMN). This is guidance, not tax advice.
Custodian tools are designed to manage investments and process distributions -- not to be a decades-long receipt archive. They also lock your data inside their platform, so if you switch custodians (which most people do at least once), you start from scratch. HSA IQ is custodian-independent: your expense records and receipts follow you no matter where your money lives. We have no investment products to sell you and no platform to lock you into -- just a simple tool that helps you keep track of what you're owed.
14-day free trial. Plans start at $19/year. Cancel anytime, take all your data with you.
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