An Honest Look at the Cost of Your HSA Spreadsheet

If you’re tracking your qualified medical expenses in a spreadsheet, you’re part of a dedicated group of financial optimizers. You’re doing the work. You see your Health Savings Account not just as a way to pay for today’s doctor visits, but as a critical component of your long-term financial strategy.

Your spreadsheet is a testament to that diligence. But let’s be honest about what that system looks like in reality. It’s a sprawling file with columns you've tweaked over the years. It lives alongside a cloud folder filled with inconsistently named scans and PDFs—receipt_pharmacy.pdf, dental_copay_2024_final.jpg, IMG_4082.HEIC.

You have a system, but it requires constant, manual effort to prevent it from slipping into chaos.

The true cost of this isn't just the time spent logging a new receipt. It’s the persistent, low-grade cognitive friction. It’s the nagging thought in the back of your mind:

• Is this record truly audit-ready?
• Did I categorize that last expense correctly?
• How much work would it be to find that one specific receipt from three years ago?

Your diligent system, for all its merits, is brittle. It provides a record, but it doesn't provide true confidence. The effort you expend maintaining it is effort you can’t put toward optimizing the rest of your financial life.

This is the exact scenario we're engineering a solution for. We’re not trying to reinvent how you track expenses; we’re building a smarter, more robust system to do it for you.

hsa_stack is the logical upgrade to your spreadsheet. It’s built for optimizers who understand the fundamentals but demand a more efficient and secure system.

It starts by solving the biggest hurdle of switching to a new tool: getting your history moved over. Simply connect hsa_stack to your existing Google Drive or Dropbox folder, and our system helps you import your records, turning that collection of loosely organized files into a structured, usable asset from day one.

From there, our AI-powered engine automates the tedious work you’re already doing. It scans your receipts, extracts the key data, and categorizes it for you. Your process goes from manual data entry to simple verification. The cognitive load disappears. The audit anxiety fades.

Your HSA is too valuable to be managed by a system that adds to your mental burden. It’s time for a tool that’s as serious about optimization as you are, providing a clear, accurate, and audit-ready history of your expenses.

We're finalizing the platform and will be opening access to a select group of founding users soon. Join the waitlist to be the first to upgrade your system.