HSA Receipt Tracker
The HSA receipt tracker app built for the long-term play.
Tripl stores every HSA receipt, parses it with AI, and tracks every reimbursement. Pull the money out tax-free on your own timeline. Today, next year, or in 2046.
$1,400
Typical annual out-of-pocket medical spend per family. (Peterson-KFF)
82%
Share of HSA dollars sitting in cash earning ~0.01%. (EBRI)
$312k
30-year cost of cash drag on a maxed-out HSA at 7% returns.
Why an HSA receipt tracker matters
The IRS requires proof of every HSA-qualified expense. The HSA also has no deadline on when you can reimburse yourself. A medical bill from 2024 can be reimbursed tax-free in 2046, as long as you have the receipt and the HSA was open when the expense happened.
That second rule is where the wealth-building happens. Pay out of pocket today, save the receipt, let the HSA balance stay invested for decades, then pull the money out tax-free when you actually need it. Most people do not do this because they lose receipts or never set up tracking. A purpose-built receipt tracker fixes both problems.
What Tripl does
AI receipt parsing
Drag in a photo, PDF, or HEIC. Tripl uses Claude AI to pull the provider, amount, date, and category. Manual entry is a fallback, not the default.
Reimbursement tracking
Reimburse expenses one at a time or apply a lump-sum withdrawal that lands on your oldest receipts first. Newer expenses keep growing tax-free.
Growth projections
Every unreimbursed expense shows projected growth at 5, 10, and 20 years. See what a $300 receipt is worth if you leave it invested.
Drive and Dropbox backup
Two-way sync. Drop a receipt in your chosen folder, it imports to Tripl. Anything you upload to Tripl auto-backs up to your cloud.
Email forwarding
Forward any receipt to receipts@triplapp.com. Authorize a spouse's email to forward in too. Their uploads land on your dashboard, flagged for review.
Tax-year PDF report
One click generates an audit-ready PDF with the year's reimbursements, expense ledger, and embedded receipt images. CSV and full receipt ZIP export too.
Native iOS app
Snap a receipt at the doctor's office before you walk out. Push notifications when a household member uploads. iOS 16+, on the App Store.
Phone camera via QR code
Scan a QR on the desktop dashboard, your phone camera opens, snap and upload. No app needed for one-off captures from a non-iPhone.
See it in action
Drop a receipt. Tripl parses the provider, amount, date, and category. Every unreimbursed expense shows a 5/10/20-year growth projection.
The original receipt stays attached. PDF, photo, or HEIC file. Stored encrypted, exported anytime as a tax-year PDF with the image embedded.
How Tripl compares to other HSA receipt trackers
We wrote a fact-checked side-by-side comparison covering Tripl, Lively, HealthEquity, Shoebox, TrackHSA, Reimbursable, and a spreadsheet. Eight columns: price, AI parsing, reimbursement tracking, growth projections, backup, export, and mobile support.
See the full comparison →FAQ
What is an HSA receipt tracker?
An HSA receipt tracker is software that stores your medical receipts, links them to HSA expense records, and tracks which ones have been reimbursed. It exists because the IRS requires you to keep proof of every HSA-qualified expense, and because the HSA's biggest wealth advantage comes from delaying reimbursement for years or decades. Without a tracker, most people lose receipts or reimburse immediately and miss the tax-free growth.
Why does Tripl need an AI to parse receipts?
Manual entry is the bottleneck that kills HSA tracking. People give up after 5 receipts. Tripl uses Anthropic's Claude to extract the provider, amount, date, and category from a receipt image or PDF in seconds. AI parsing is opt-in and can be turned off in Settings if you prefer manual control.
Does Tripl connect to my HSA account?
No. Tripl is provider-agnostic. It works with any HSA provider (Fidelity, Lively, HealthEquity, Optum, HSA Bank, employer-sponsored). You track your receipts in Tripl and reimburse yourself from your HSA on your own schedule. This is a feature, not a limitation. It means switching providers does not break your receipt history.
What does Tripl cost?
Free to start. There is no paid tier yet. The business model is still evolving and any future paid plan will be additive, not a forced upgrade for existing users.
How does Tripl protect my data?
All data is encrypted in transit (TLS 1.2+) and at rest (AES-256). Receipts live in a private storage bucket scoped to your user ID with row-level security. AI parsing can be disabled. You can export everything as CSV, a tax-year PDF, or a receipt ZIP at any time. Full details on the security page.
Is there a mobile app?
Yes. Tripl has a native iOS app on the App Store as of April 2026 with push notifications for household receipt uploads. Android users can use the responsive web app or scan a QR code from the desktop dashboard to upload from any phone camera.
How does Tripl compare to Lively, HealthEquity, Shoebox, and TrackHSA?
We wrote a side-by-side comparison covering price, AI parsing, reimbursement tracking, growth projections, backup, export, and mobile support. The short answer: Tripl is the only one with AI parsing plus user-controlled cloud backup plus a tax-year PDF that includes embedded receipt images plus a native iOS app. See the full comparison.
Start tracking your HSA receipts today
Free to start. AI parsing is opt-in. Your data exports as CSV, PDF, or ZIP whenever you want.
Sign up freeThis is educational content, not financial or tax advice. Consult a qualified professional before making decisions about your HSA.