# HSA Smart vs UPMA

HSA Smart and UPMA are too close to call on the numbers: across 9 compared parameters — price, rating, ratings volume and update cadence among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 5.0 for HSA Smart against 5.0 for UPMA. Both are backed by a comparable volume of ratings — 3 and 2 respectively.

HSA Smart ships an update every 3 weeks, UPMA every 5 weeks. The most recent releases landed on October 23, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | HSA Smart | UPMA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (3 ratings)](https://appshunter.io/ios/app/hsa-smart/id6756983480/reviews) | [5.0 (2 ratings)](https://appshunter.io/ios/app/upma/id6757343320/reviews) |
| Number of ratings | **3** | 2 |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 28 MB | 37 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SINKHWAL LLC](https://appshunter.io/developer/1864023556) | [Earl Husbands](https://appshunter.io/developer/1866232603) |

## What reviewers say

### HSA Smart

[App page](https://appshunter.io/ios/app/hsa-smart/id6756983480)

This application helps you manage your Health Savings Account by organizing medical receipts and invoices. It allows for scanning, categorizing, and backing up your documents to Google Drive, ensuring you stay prepared for tax season.

**Highlights:** Scan and import medical receipts, Organize receipts by category, Backup to Google Drive, Secure Google sign-in, Dark mode support, Privacy-first design

**Features:** macOS Compatibility

**In-app purchases:** none


### UPMA

[App page](https://appshunter.io/ios/app/upma/id6757343320)

This member-based application offers secure access to exclusive resources and communication tools. Stay informed with curated content and ongoing updates on a centralized platform designed for clarity and ease of access.

**Highlights:** Exclusive member resources, Secure sign-in, Curated content viewing, Member communication tools, Ongoing updates

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is HSA Smart free?

HSA Smart is free to download, with no in-app purchases.

### Is UPMA free?

UPMA is free to download, with no in-app purchases.

### Which has better reviews, HSA Smart or UPMA?

HSA Smart and UPMA are both rated 5.0 out of 5 on the App Store, from 3 and 2 ratings respectively.

### Do HSA Smart or UPMA have ads?

Neither HSA Smart nor UPMA shows ads.

### Which is updated more often, HSA Smart or UPMA?

HSA Smart ships an update every 3 weeks, and UPMA every 5 weeks. Most recently, HSA Smart was updated on October 23, 2026 and UPMA on October 9, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*