Build long-term, tax-free wealth with your HSA.
Most people use their HSA like a checking account. Those in the know invest the balance, track receipts, and get tax-free money back years later.
HSA Base makes that strategy effortless.
30-day risk-free trial. Reminder before billing.
Your HSA is the most powerful account you’ve never fully used.
It’s built to grow tax-free and pay you back later…if you’ve got the receipts. HSA Base tracks everything so you can focus on growing your money, not paperwork.
Triple Tax-Advantaged
- Contributions: Lower your yearly taxes.
- Investments: No federal tax on growth.
- Withdrawals: 100% tax-free for qualified expenses. No age limit. No income limit.
Long-Term Investment
Yours for life
IRS Rules,
Save time saving money
Most people use their HSA like a checking account - paying for medical expenses as they happen. Smart HSA users pay out-of-pocket, let their HSA investments grow tax-free for years, then reimburse themselves later - creating a tax-free investment vehicle more powerful than a 401(k) or IRA. The catch? You need to keep meticulous records for years. That's where HSA Base comes in.
One-Click AI Import
Smart Expense Recognition
Tax-Ready Records
Secure
Your HSA is so much more than a spending account
See how deferring reimbursements can substantially increase your HSA's value.
Building Wealth with HSA Base: A Real-Life Example
- Step 1: Fund Your HSA
- You contribute to your HSA through payroll deductions or direct contributions, setting a strong foundation for long-term growth.
- Step 2: Pay for Care
- After insurance, a dental procedure costs you $1,000. You pay with non-HSA funds and one-click import the EOB from insurance to HSA Base. HSA Base automatically categorizes the expense and keeps it ready for you to reimburse yourself down the road.
- Step 3: Let Your Money Grow
- Instead of immediately reimbursing yourself, keep the $1,000 invested in your HSA. This smart decision allows that money to grow tax-free and provides a larger base for compound growth.
- Step 4: Strategic Reimbursements
- As your HSA investments grow, HSA Base has diligently kept track of all your medical expenses. When the time is right, you can confidently reimburse yourself tax-free using HSA Base's meticulous records. After reimbursement, the investment gains on that expense continue to compound, keeping your HSA's flywheel of growth spinning.
30-day risk-free trial. Reminder before billing.
Maximize your HSA's potential
Turn your HSA into a powerful wealth-building tool. HSA Base removes the complexity of record-keeping so you can focus on growing your tax-free investments.
- 30-day risk-free trial, reminder before billing
- Unlimited transactions and AI import
- Smart HSA eligibility checking
- Complete data export for personal records
- Secure, organized, and always accessible
- IRS-ready records and documentation
- Never any ads or resale of your data
- Savvy HSA investors
- Families building long-term wealth
- People ready to optimize their HSA strategy
30-day risk-free trial. Reminder before billing.
Meet the Founder
Hi, I'm Jon. I created HSA Base after discovering the hidden wealth-building potential of HSAs: keep the balance invested, save your receipts, and reimburse yourself years later after compound growth has worked its magic.
When my family grew and doctor visits got more frequent, I realized those expenses could translate to significant tax-free growth. But keeping track of all the receipts and documents was a huge pain.
I built HSA Base to make this powerful financial strategy accessible to everyone, not just hyper-organized financial experts.
