Comparison

HSA Tracker Pro 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 Tracker Pro

Effortlessly manage your Health Savings Account by tracking expenses, storing receipts, and generating IRS-compliant reports. Utilize AI-powered receipt scanning for automatic data extraction, ensuring you're prepared for tax or reimbursement needs.

Highlights
  • Unlimited expense tracking
  • Cloud receipt and EOB storage
  • IRS-compliant expense reports
  • AI receipt scanning
  • HSA eligibility checker
  • CSV and PDF export
Features
Read full description

HSA Tracker Pro helps you track, store, and manage your Health Savings Account expenses and receipts with ease — so you're always ready at tax time or reimbursement time. Track expenses for your entire family, attach receipts and EOB documents, and generate IRS-compliant reports in seconds. Pro users can scan receipts with AI to automatically extract the date, provider, and amount — no manual entry needed. Features: • Unlimited expense tracking for you and your family • Cloud receipt and EOB document storage • Receipt Itemization and Duplicate Detection • IRS-compliant expense reports • AI receipt scanning and auto-extraction • HSA eligibility checker • CSV and PDF export • Secure cloud backup Terms of Use: https://hsatrackerpro.com/terms

About

HSA Vault

This app uses AI to scan medical receipts, automatically identifying HSA-eligible expenses and categorizing them. It helps you track your HSA balance, manage dependent expenses, and generate reports for tax purposes, all processed securely on your device.

Highlights
  • AI-powered receipt scanning
  • HSA eligibility auto-detection
  • Split transaction support
  • HSA balance tracking
  • Dependent tagging
  • Export to CSV/PDF
  • On-device processing
Features
Read full description

HSAVault 1.1 brings significant improvements to eligibility accuracy — the AI no longer hallucinate eligible amounts on grocery receipts, and the keyword engine has been tightened to avoid false positives on general merchandise. You can now upload PDFs directly from the Files app, manual entry is instant, and your merchant preferences (category, dependent) are reliably remembered across future scans. The Insights tab year picker now handles any number of years gracefully. Stop losing money from your HSA. HSAVault turns medical receipts into organized, expense records in seconds — with AI-powered scanning that runs entirely on your device. HOW IT WORKS Point your camera at any receipt. HSAVault instantly reads the merchant, date, amount, and tax. It checks IRS Publication 502 to confirm eligibility, suggests the right category, and saves everything securely on your device. No typing. No cloud uploads. No accounts to create. FEATURES • AI-powered receipt scanning with on-device OCR • HSA eligible amount auto-detection from receipt codes • Split transactions for mixed-eligibility receipts • HSA balance tracking with annual limits • Dependent tagging (Self, Spouse, Child) • Smart merchant rules that learn your preferences • Export as CSV, PDF report, or full image bundle • Year-end tax summary with IRS form references • Monthly spending insights and category breakdowns • Face ID & Touch ID biometric lock • Duplicate receipt detection PRIVACY BY DESIGN HSAVault processes everything on-device using Apple Vision. We don't have cloud servers. We don't collect data. We don't require accounts. Your health financial information is protected by Apple's built-in device encryption and for backup only lives in your own iCloud. FREE & PRO Start free with 5 AI scans per month, unlimited manual entry, balance tracking, and CSV export. Upgrade to Pro for unlimited scanning, PDF reports, full exports, tax summaries, and spending insights — just $9.99/year or $19.99 lifetime. Download HSAVault today and start turning receipts into tax savings. DISCLAIMER: HSAVault is a personal organizational tool for tracking HSA receipts. It does not provide tax, medical, or financial advice. Eligibility determinations are based on general IRS Publication 502 categories and may not be accurate for your specific situation. Contribution limits and IRS figures are informational only and subject to annual changes. Always consult a qualified tax professional or your HSA administrator before making financial decisions. Not affiliated with the IRS. We Follow Apple's EULA for subscriptions - https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

HSA Tracker Pro4 screens
HSA Vault4 screens

Verdict

The call

The clearest difference is rating: HSA Vault at 4.8 against HSA Tracker Pro's 4.5. HSA Tracker Pro's advantage is iOS requirement (15.1 vs 26.0). On price, ratings volume, update cadence and ads 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 Tracker Pro sells 4 in-app purchases, starting at $3.00 per month and HSA Vault sells 2 in-app purchases, starting at $9.99 per year. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

HSA Vault holds the better App Store score, 4.8 against 4.5. Both are backed by a comparable volume of ratings — 6 and 4 respectively.

UpkeepUpdate frequency

HSA Tracker Pro ships an update every 6 weeks, HSA Vault every 2 months. Both last shipped on October 24, 2026.

Scorecard2 real differences · 8 level
HSA Tracker Pro versus HSA Vault: the parameters behind the verdict, then further details
ParameterHSA Tracker ProHSA Vault
PriceFreeFree
Rating4.5 (6 ratings)4.8 (4 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings6 — better4
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better26.0
Further details — not scored
Size49 MB4 MB
Age rating4+4+
DeveloperGood Steward Labs LLCPensive Products LLC

Customer experience

HSA Tracker Pro

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

HSA Vault

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

4 purchases

HSA Tracker Pro

Subscriptions4
  • HSA Tracker Basic3 Days trial$3.001 Month
  • HSA Tracker Premium (Monthly)3 Days trial$5.001 Month
  • HSA Tracker Basic (Annual)3 Days trial$24.001 Year
Show 1 more
  • HSA Tracker Premium (Annual)3 Days trial$36.001 Year
2 purchases

HSA Vault

Subscriptions1
  • HSA Vault Pro$9.991 Year
One-time1
  • HSAVault Pro — Lifetime$19.99

Questions

Is HSA Tracker Pro free?
HSA Tracker Pro is free to download, with in-app purchases available.
Is HSA Vault free?
HSA Vault is free to download, with in-app purchases available.
Which has better reviews, HSA Tracker Pro or HSA Vault?
HSA Vault is rated higher. HSA Tracker Pro averages 4.5 out of 5 from 6 ratings, while HSA Vault averages 4.8 from 4 ratings.
Do HSA Tracker Pro or HSA Vault have ads?
Neither HSA Tracker Pro nor HSA Vault shows ads.
Which is updated more often, HSA Tracker Pro or HSA Vault?
HSA Tracker Pro ships an update every 6 weeks, and HSA Vault every 2 months. Most recently, HSA Tracker Pro was updated on October 24, 2026 and HSA Vault on October 24, 2026.

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