Turn today's medical receipts into tax-free cash in retirement.
Under IRS rules, you can reimburse yourself from your Health Savings Account (HSA) for qualified medical expenses years or decades later. Pay out of pocket today, let your money compound tax-free, and let RetroHSA archive your receipts and generate audit-ready Reimbursement Reports whenever you withdraw.
How RetroHSA Works in 3 Simple Steps
From snapping a crumpled pharmacy slip to generating an audit-ready Reimbursement Report in retirement.
Snap or Drop Any Receipt
Use your phone camera or drag and drop PDFs, hospital statements, and pharmacy receipts. Thermal paper fades to blank white in 18 months—RetroHSA preserves digital originals untouched for life.
AI Line-Item Verification
Automatically itemizes charges, checks dates against your HSA establishment date, and filters out ineligible charges (like cosmetics or general toiletries) to protect you from the 20% IRS penalty.
Claim Tax-Free Cash Anytime
Whenever you want to withdraw from your HSA—next year or 25 years from now—enter your amount to generate a stamped Reimbursement Report with every receipt indexed and matched to Line 15.
See How Much You Gain by Delaying Reimbursement
Drag the slider to see what happens when you pay out-of-pocket and keep your HSA invested.
Assumes standard 7.0% nominal return, 1.5% dividend yield, and 20% combined federal & state tax drag in a taxable brokerage account.
Pure money saved from avoiding annual dividend drag and capital gains taxes.
Built for a Lifetime IRS Audit Horizon
Generic cloud folders lose proof-of-payment context. RetroHSA follows IRS Rev. Proc. 97-22 evidentiary standards.
1. Lifetime Archival & Fade Protection
Original receipts and PDFs are securely preserved untouched for life, safeguarding you against faded thermal paper. Every metadata correction, payment proof attachment, or reimbursement claim is logged in a tamper-proof audit trail.
2. Line-Item Audit Guardrails
Itemizes individual charges so you can toggle qualified vs. non-qualified items (per IRS Pub 502), flags unpaid insurance bills until payment proof is attached, and verifies dates against your HSA establishment date.
3. Complete Data Portability & Vault Export
You always own your data. Export your entire vault as a self-contained ZIP archive containing your complete CSV ledger, original receipt files, and compiled Reimbursement Report PDFs anytime in 1 click.
Simple, Transparent Pricing
Start free today with 20 receipts. Upgrade anytime for unlimited multi-decade storage.
Starter Vault
$0Full audit compliance and Reimbursement Report generation for getting started.
- Up to 20 Vault receipts (including Trash Bin)
- 20 AI receipt scans included
- Manual receipt entry + file upload up to 20 receipts
- 1-Click Full Vault ZIP Export & Form 8889 PDF compiler
RetroHSA Pro
UNLIMITEDBuilt for long-term HSA compounders archiving decades of medical expenses.
- Unlimited archival receipt & supplementary document storage
- Unlimited AI receipt & line-item scans
- Multi-year partial reimbursement tracking across Reimbursement Reports
- Full family coverage included (spouse & dependents under IRS rules)
- 30-day advance annual renewal notice & 1-click cancellation
Ready to build your tax-free medical shield?
Start archiving your receipts today. Free forever for up to 20 receipts.