The Receipt Vault for People Who Think in Decades.

Your HSA documentation should outlast your custodian. Capture expenses now, export everything later—whether that's 5 years or 30. No lock-in, ever.

Full data exportNo platform lock-inBootstrapped & profitable

Custodians focus on spending. We focus on documentation that lasts.

You're using your HSA as a stealth IRA—maxing contributions, investing, and deferring reimbursements for decades. Smart strategy. But when you change employers or custodians, your historical data gets trapped or lost.

  • Platform Lock-in: Custodian records disappear when you leave.
  • Spreadsheet Fragility: No receipt storage, no backup, no structure.
  • 20-Year Risk: Will your current system still work in 2046?
The Stealth IRA Strategy
$147 Billion

in HSA assets as of 2024—and growing 10% annually. Sophisticated investors are deferring reimbursements for decades. The catch? You need documentation that lasts just as long.

Built for the HSA Lifecycle

Generic expense apps don't understand HSA workflows. Steadfast is purpose-built for capturing, organizing, and exporting decades of medical documentation.

Capture Every Receipt

The biggest risk to your strategy is losing documentation. We give you multiple paths to capture every expense the moment it happens.

  • 01
    Drag & Drop UploadsPDF, PNG, JPG—we preserve original resolution and metadata. Your receipts will still be legible in 2046.
  • 02
    Dedicated Email InboxCore
    Forward digital receipts to save@your-vault.steadfasthsa.com. We auto-parse vendor and date.
  • 03
    Mobile CaptureComing Soon
    Snap photos at the doctor's office. The PWA works offline and syncs when you're back online.
New Upload
Drop files here or click to upload
Reimbursable Balance
Tax-Free
$14,250.00
Available to withdraw penalty-free today
Missing Document
Add proof of payment
Dr. Smith visit needs bank/card record
Partial Reimbursement
$500 / $2,000

Organize for the IRS

Know exactly what you can reimburse and whether your documentation is complete. We track the details so an audit is just a ZIP file away.

  • 01
    Real-Time Reimbursable BalanceSee exactly how much tax-free cash you can access right now. Treat your accumulated receipts as a flexible emergency fund.
  • 02
    Documentation Completeness ChecksAn invoice alone isn't enough. We flag when you're missing proof of payment or other required documentation.
  • 03
    Automatic Mileage TrackingPro
    Don't leave money on the table. We calculate the IRS standard mileage deduction for trips to medical providers.

Export Everything. Anytime.

The entire point is getting your data out in 20 years. We treat the Export button as our most critical feature.

  • 01
    One-Click Audit PackageCore
    Download a ZIP with formatted CSV ledger plus all receipts, organized by date and vendor. IRS-ready in seconds.
  • 02
    BYOS Cloud SyncPro
    Connect your Google Drive or Dropbox. Every receipt automatically syncs to your storage. If Steadfast disappears, you lose nothing.
  • 03
    Redundant BackupsGeo-redundant, encrypted daily backups. Your data is protected even if you forget to export for a decade.
Export Ready
2026_HSA_Audit_Pack.zip
/receipts/2026-01-28_CVS_42.50.pdf
/receipts/2026-01-15_DrSmith_185.00.jpg
/receipts/2026-01-03_Walgreens_23.99.pdf
expenses_2026.csv

We're bootstrapped because this market doesn't need VC economics.

Most HSA tools are either side features of giant custodians or venture-backed startups chasing growth. We're neither.

Built by HSA optimizers

We use this strategy ourselves. We got frustrated tracking our own expenses in fragile spreadsheets and decided to build something better.

No investor pressure

Self-funded means we don't need to 10x next year. We need to be here in 20 years when you take your first reimbursement.

Your data stays yours

We don't sell data. We don't show ads. We make money when you pay for the product. That's it. That's the whole business model.

Profitable by design

Not dependent on future funding rounds. We're building a sustainable business that can serve you for decades.

🛡️ Data Sovereignty First📈 Boglehead Philosophy🔒 No Data Selling, Ever

Founding Member Pricing

Lock in early supporter rates—yours forever, even when prices go up.

Free

$0 / year
  • 25 expenses per year
  • Manual CSV export
  • Secure cloud storage
  • Single HSA account
Most Popular

Core

$39/ year
$49/year regular price
  • Unlimited expenses
  • Dedicated email inbox
  • Multi-account tracking
  • Family member tagging
  • Full ZIP + CSV export

Pro

Coming Soon
$79/ year
$99/year regular price
  • Everything in Core
  • BYOS cloud sync (Drive/Dropbox)
  • Automatic mileage tracking
  • Expense detection (Plaid)
  • Household access (2 users)
Join Waitlist — Q3 2026
Limited Time

Founding Member Lifetime Deal

We're offering 500 lifetime deals to early supporters who believe in what we're building. Get all Core features forever for a one-time payment. No renewals, ever.

$199
$299 regular price
one-time payment

447 of 500 spots remaining

Frequently Asked Questions

What happens if Steadfast shuts down?

Your data is always exportable—CSV plus all receipt files in one ZIP. If you use BYOS (Pro tier), everything automatically syncs to your personal cloud storage. We also commit to 12 months notice before any shutdown, with free exports for all users during that period. Your documentation is too important to hold hostage.

How is my data secured?

All data is encrypted at rest and in transit. We use geo-redundant cloud storage with daily backups. Receipt files are stored separately from your account data. We don't have access to your HSA account credentials—we only store documentation you upload.

Why should I pay when my custodian has free tracking?

Custodian tools lock your data to their platform. When you change jobs or custodians—which most people do several times—you lose access to historical records. Steadfast is independent of any custodian, tracks multiple accounts in one place, and lets you export everything anytime. $39/year is cheap insurance for potentially hundreds of thousands in tax-free reimbursements.

Do you sell my data?

No. Never. We make money when you pay for the product. That's it. We don't sell data, we don't show ads, we don't do "anonymous" analytics partnerships. Your medical expense data is yours alone.

What if I want a refund?

30-day money-back guarantee on all plans, no questions asked. For lifetime deals, we offer a 60-day refund window. If Steadfast isn't working for you, we don't want your money.

Ready to stop worrying about your HSA documentation?

Start free. Upgrade when you're ready. Export anytime.