We find you free cash for your HSA & FSA
We’ll find eligible expenses in your shopping history (money you can claim that YOU HAVE ALREADY SPENT), give you a safe place to track out of pocket expenses, do one-click reimbursements and help you track how much your HSA will by worth at retirement
Rated 5 stars by 10,000+ users
★★★★★
All: ▲ 33.3%
80%
Average
+ $2,473.65
Performance
2023 🔻
Balance
$67,322
Reimbursable
$12,391
Growth on reimbursable
+ $9,865
Trusted by employees at:
Features and benefits
The all-in-one solution for maximizing your HSA
See why over 10,000 people trust our platform to manage and optimize their HSA and find and track eligible expenses
Expense harvesting
Without realizing it you’ve already spent money on HSA eligible items at Amazon, Walmart, Krogers etc. We’ll harvest them for you to maximize your reimbursements.
One-click reimbursement
Get your reimbursement as soon as you need them with one click. We’ll prep your tax paperwork and file the right forms with your HSA provider.
Real time projections
See how much your HSA will be worth in 5, 10, 15 years from now and the value of your eligible reimbursements if you leave them.
Secure storage
All your files are secured, and can be downloaded at any time.
Maximize the value of your HSA on autopilot
Spend less time managing your HSA and more time doing the things you enjoy.
No risk money back guarantee
$100
Average First Time Harvest
300 +
5 star reviews
33k
Eligible expenses
10k
Happy customers
testimonials
Hear what people are saying about us
Early users of Harvest are raving. Join the waitlist now for discounted harvest rates and the opportunity to earn a % of your friends’ lifetime expenses.
★★★★★
Simply amazing product for maxxing your HSA. Thank you for creating this platform.
Allegra Stanley
★★★★★
I can’t believe how easy it is to optimize my HSA now. This platform is a game-changer!
Emily M
★★★★★
I’ve tried various tools, but this one takes the cake. It’s incredibly user-friendly and has helped me save more with my HSA.
David R
★★★★★
I was skeptical at first, but after using this product, I’m a believer. It’s made HSA optimization a breeze. Highly recommended!
Alex P
Amazon
Costco
Krogers
Sam’s Club
Walmart
Walgreens
Publix
CVS
Safeway
H-E-B
Albertsons
Target
Pricing
Whether you’re harvesting, managing or growing we’ve got plans for you
All tiers are the same account – if you want to harvest your grocery bills we take a tiny commission on success
Personal
Free
- Unlimited receipt storage
- One-Click reimbursement
- HSA Projection Planning
- HSA Investment Advice
- HSA Top Up Reminders
- FSA Optimization
- Family Accounts
Plus
3% Harvest
- Everything in Free
- Only pay if we find eligible expenses
- Harvest grocery spend less than a year old
- FSA Reimbursement
- Get paid for referrals
Pro
4% Harvest
- Everything in Free & Plus
- Harvest grocery spend older than a year
FAQs
Frequently asked questions
Is Harvest Free?
Yup! We appreciate this is a funny idea to get your head around. We’ll help you store receipts for eligible expenses and do projections on your account for free. The only thing we charge for is when we find eligibe expenses in your grocery history. You can run the process to find stuff, and still choose not to pay us.
How should I use my HSA?
In the simplest terms, we believe, if you can afford it. All out of pocket medical expenses should be paid for in cash/credit card. Then store all the receipts in Harvest. If at a future date you really need that balance you can reimburse yourself from the account or wait until you turn 65.
Why should I care?
The Health Savings Account is the most tax advantaged investment account in the history of America.
+99% of people with one are not using it to maximize their wealth. We want to make it easy for you to use it properly and get wealthy
How big (valuable) could my HSA get?
Assuming you retire at 65, you max out contributions from the age of 30 ($4000) every year – with 10% returns (S&P500 historical average) – you would have a HSA worth $1,168,404.78 at retirement
Do I get the whole amount at 65?
Yes and no. At 65 withdrawals are subject to income tax but there are no penalties. You can spend it on eligible expenses with no tax and you can reimburse all the saved expenses tax free too!
What if the IRS changes the rules?
We’re betting our business on the idea that they won’t do that. Hundreds f thousands of American’s are already saving their out of pocket receipts in shoe boxes – we’re simply enabling this to be done in a much more comprehensive way.
We watch the IRS guidelines closely and are the best positioned to notify you if they change the rules.
Do I lose my HSA if I get laid off?
No.
You actually do not. We’ve heard from many users who were laid off in the 2020-2024 era that in the flurry of a layoff they believed their HSA balance was taken away from them. It absolutely is not, you just have to follow a cumbersome process to maintain access – not ideal when it feels like the world around you is falling apart. We’re building tools to make this easy and help other regain control to their HSAs
What happens if I cancel/delete my account?
We will send you an archive of all your logged expenses and receipts – no questions asked.
Join the platform customers love.
Trust your future with the number one tool for maximizing the value of your HSA