Comparison

HSA Buddy vs HSA Vault

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

HSA Buddy

Easily track your Health Savings Account (HSA) reimbursements by logging medical receipts directly to your Google Sheets and saving images to Google Drive. This app offers a private, portable, and audit-ready solution for managing your HSA finances without needing a separate account.

Highlights
  • Log medical receipts with vendor, amount, date, and image
  • Save receipts to Google Drive and data to Google Sheets
  • No server or HSA Buddy account required
  • Audit-ready and portable financial records
  • Filter and archive receipts
  • View saved receipt images in-app
Features
Read full description

HSA Buddy is a simple companion for tracking HSA reimbursements in your own Google Sheets and Google Drive. Log a medical receipt — vendor, amount, date, image — and HSA Buddy writes it straight to a spreadsheet in your Google account, and saves the receipt image to a folder in your Drive. That's it. No server. No HSA Buddy account. No syncing. Your records live where you can see them, search them, export them, and own them. Why your own Drive? • Audit-ready: keep every receipt in one place for tax time or your HSA administrator. • Portable: open the spreadsheet from any device, share it with a spouse, export it to CSV. • Private by default: HSA Buddy can only see the spreadsheet and receipts folder it created — nothing else in your Drive. Features • Quick capture: photograph or pick a receipt, fill three fields, save. • Smart list: filter by active, archived, or all; total amount and count at a glance. • Swipe-to-archive: keep your active list tidy without losing history. • Image viewer: open any saved receipt in-app. • Per-file Drive scope: HSA Buddy requests only `drive.file` access and cannot read any other files in your Drive. Privacy HSA Buddy does not operate a server. Your receipts, amounts, and notes live exclusively in your own Google Drive and Google Sheets. You can revoke HSA Buddy's access or delete your account from inside the app at any time. Read the full policy at hsabuddyhq.com/privacy. Requires a Google account.

About

HSA Vault

This app helps you track medical expenses for your Health Savings Account (HSA) to maximize tax-free growth. It features AI-powered receipt scanning, mileage tracking, and financial planning tools to optimize your long-term wealth.

Highlights
  • AI-powered receipt scanning
  • Medical mileage tracking
  • FIRE growth calculator
  • Tax-ready export reports
  • Advanced expense organization
  • Private and secure sync
Features
Read full description

Stop leaving tax-free money on the table. HSA Vault is the ultimate receipt tracker and financial planner designed specifically for Health Savings Account optimizers and the FIRE (Financial Independence, Retire Early) community. The smartest way to build long-term wealth is to pay for today’s medical expenses out-of-pocket, leave your HSA funds invested, and claim your tax-free reimbursements decades down the road. HSA Vault acts as your digital shoebox, securely logging every eligible expense and safeguarding your proof so your investments can compound uninterrupted. Whether you are logging a copay, tracking a trip to the dentist, or exporting your yearly summaries for tax season, HSA Vault does the heavy lifting. Core Features AI-Powered Receipt Scanning: Snap a photo and let AI automatically extract the merchant, date, and totals. The scanner instantly identifies and separates HSA-eligible items from non-eligible items, making mixed grocery or pharmacy receipts effortless to log. Medical Mileage Tracker: Keep IRS-compliant driving logs. Quickly input your destination and roundtrip miles to automatically calculate your exact eligible deduction using standard medical mileage rates. FIRE Growth Calculator: Visualize your true withdrawal power. See exactly how much your logged receipts will be worth in the future if left invested, and calculate the clear opportunity cost of reimbursing yourself today. Tax-Ready Exports: Generate complete, audit-ready reports in seconds. Export beautiful PDFs with receipt images attached or clean CSV spreadsheets. Get the exact line-by-line numbers you need for IRS Form 8889 to hand straight to your CPA. Advanced Organization: Filter your expenses by year, category, or family member. Beautiful, dynamic charts give you a bird's-eye view of your lifetime medical spending and available tax-free withdrawal balance. Private & Secure Sync: Your financial and health data belongs exclusively to you. Maintain total control over your records with encrypted backups that you can securely sync to your own iCloud, Google Drive, or local storage. Turn your healthcare expenses into a massive tax-free retirement vehicle. Start tracking with HSA Vault today. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

HSA Buddy4 screens
HSA Vault4 screens

Verdict

The call

The clearest difference is in-app purchases: HSA Buddy at none against HSA Vault's 2. HSA Vault's advantage is ads (none vs shown) and update cadence (every 5 days vs monthly). On price, rating, ratings volume and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. HSA Vault sells 2 in-app purchases, starting at $9.99 per month. HSA Buddy asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for HSA Buddy against 5.0 for HSA Vault. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

UpkeepUpdate frequency

HSA Buddy ships an update monthly, HSA Vault every 5 days. The most recent releases landed on October 21, 2026 and October 17, 2026 respectively.

Scorecard4 real differences · 6 level
HSA Buddy versus HSA Vault: the parameters behind the verdict, then further details
ParameterHSA BuddyHSA Vault
PriceFreeFree
Rating5.0 (1 ratings)5.0 (1 ratings)
Positive reviews100.0% of reviews—
Number of ratings11
Update frequencyMonthlyEvery 5 days — better
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationAd-supported — betterFreemium
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.115.1
Further details — not scored
Size19 MB53 MB
Age rating4+4+
DeveloperJack BeldingFourTwo Enterprises LLC

Customer experience

HSA Buddy

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

HSA Vault

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

HSA Buddy

No in-app purchases

2 purchases

HSA Vault

Subscriptions2
  • HSA Vault Pro$9.991 Month
  • HSA Vault Pro$59.991 Year

Questions

Is HSA Buddy free?
HSA Buddy is free to download, with no in-app purchases.
Is HSA Vault free?
HSA Vault is free to download, with in-app purchases available.
Which has better reviews, HSA Buddy or HSA Vault?
HSA Buddy and HSA Vault are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.
Do HSA Buddy or HSA Vault have ads?
HSA Buddy shows ads; HSA Vault does not.
Which is updated more often, HSA Buddy or HSA Vault?
HSA Buddy ships an update monthly, and HSA Vault every 5 days. Most recently, HSA Buddy was updated on October 21, 2026 and HSA Vault on October 17, 2026.

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