HSA Tracker Pro vs HSA Vault
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Unlimited expense tracking
- Cloud receipt and EOB storage
- IRS-compliant expense reports
- AI receipt scanning
- HSA eligibility checker
- CSV and PDF export
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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
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.
- AI-powered receipt scanning
- HSA eligibility auto-detection
- Split transaction support
- HSA balance tracking
- Dependent tagging
- Export to CSV/PDF
- On-device processing
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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
Verdict
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
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.
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.
HSA Tracker Pro ships an update every 6 weeks, HSA Vault every 2 months. Both last shipped on October 24, 2026.
| Parameter | HSA Tracker Pro | HSA Vault |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (6 ratings) | 4.8 (4 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 6 — better | 4 |
| Update frequency | Every 6 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.1 — better | 26.0 |
| Further details — not scored | ||
| Size | 49 MB | 4 MB |
| Age rating | 4+ | 4+ |
| Developer | Good Steward Labs LLC | Pensive Products LLC |
Customer experience
HSA Tracker Pro
HSA Vault
In-app purchases
HSA Tracker Pro
- 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
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- HSA Tracker Premium (Annual)3 Days trial$36.001 Year
HSA Vault
- HSA Vault Pro$9.991 Year
- HSAVault Pro — Lifetime$19.99
Questions
Is HSA Tracker Pro free?
Is HSA Vault free?
Which has better reviews, HSA Tracker Pro or HSA Vault?
Do HSA Tracker Pro or HSA Vault have ads?
Which is updated more often, HSA Tracker Pro or HSA Vault?
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