Keep every HSA and FSA receipt. See what you are still owed back.
Snap the receipt the day you pay, tag it HSA or FSA, and it stays on your ledger with its date until you mark it reimbursed. The ones that can wait years and the ones with a deadline sit on the same page.
For households with an HSA or FSA through work, usually with kids or a recurring prescription.
Free for one person, up to 30 receipts a plan year, with reminders for the dates you enter. Plus is $4 a month or $36 a year for the whole household.
Sep 3, 2026, Maple Street Pharmacy, Priya, Prescription, HSA, $24.99, Reimbursed
Aug 27, 2026, Riverbend Family Medicine, Maya, Doctor visit, HSA, $35.00, Reimbursed
Aug 14, 2026, Northgate Optical, Maya, Vision, FSA, $189.00, Owed back
Reimbursed this plan year, 43 receipts, $2,480.60. Kept this plan year, 47 receipts, $2,972.60.
2026: Mar 2, Riverbend Urgent Care, Maya, HSA, $180.00, Owed back
2025: Oct 14, Maple Street Pharmacy, Sam, HSA, $112.25; May 8, Riverbend Family Medicine, Maya, HSA, $75.00; Jan 27, Maple Street Pharmacy, Leo, HSA, $42.87; all Owed back
2024: Nov 22, Lakeview Lab Services, Sam, HSA, $96.30; Jun 4, Maple Street Pharmacy, Priya, HSA, $58.16; Mar 19, Eastside Physical Therapy, Priya, HSA, $220.00; all Owed back
2023: Aug 30, Maple Street Pharmacy, Leo, HSA, $37.42; Feb 11, Riverbend Urgent Care, Sam, HSA, $150.00; all Owed back
Held to reimburse later, 10 receipts, $1,052.00, oldest Feb 11, 2023. Owed back in total, $1,284.00 across 12 receipts.
01 · the habit
Pulled in.The receipt.Snap.Kept.
The habit takes ten seconds
01
Snap
Take the photo in the car, before the receipt goes in the bag. The total and the date are suggested from the picture; you check them, and that is the whole step.
02
Tag
Tag it HSA or FSA, pick who it was for, and mark it owed back. The tag says which account you mean to claim from, nothing more.
03
See
The owed back figure is the only big number on the screen. Under it, this plan year in three quiet figures, kept, reimbursed and still owed back, each with its receipt count.
02 · the ledger
When and whether to reimburse yourself is your call under your plan's rules. Brainbrook keeps the receipts and the dates.
A receipt from 2023 is still worth its date
In the sample ledger, $1,052.00 across ten HSA receipts is held to reimburse later, grouped by the year each one was paid.
20232 receipts · $187.42
An urgent care visit in February and a pharmacy refill in August, both still listed with the dates they were paid.
20243 receipts · $374.46
Physical therapy in March, a refill in June, lab work in November. Nothing about them has expired.
20253 receipts · $230.12
Two refills and a doctor visit, waiting the same way and still counted in the total at the top.
20262 receipts · $260.00
An urgent care visit in March and a refill in September, added the day they were paid and already part of the held total.
03 · the dates
The dates you entered, and nothing you did not
Brainbrook never guesses a plan's dates, because it never sees your plan. You enter the ones that apply to you, and it reminds you of those, by email and by text once you have joined the SMS list.
One tick per day, Jan 1 to Dec 31, 2026. A paper mark on each day a receipt was kept, a copper dot where it is still owed back, today's tick in ink, and a standing tag on each date you entered.
Nov 2, 2026Open enrollment starts · 39 days away
A reminder 7 days before, so next year's choice is made with this year's ledger open.
Dec 31, 2026FSA plan year ends · 98 days away
The reminder for this one arrives with a number in it: $232.00 tagged FSA, two receipts, still owed back.
Mar 31, 2027Last day to send in 2026 FSA claims · 188 days away
The run out date most households never write down, standing past the end of the year because that is where it is.
HSA No deadline entered.
Receipts tagged HSA stay owed back until you mark them reimbursed.
04 · the household
One ledger for the whole household
Plus seats up to six people on one ledger. Adults sign in and add or view. Kids are on it by name only, so a child's dental receipt is tagged to the child and counted with everyone else's.
PAccount holder. Signs in, adds and views the whole ledger.
SA second adult. Signs in, adds and views.
MName only. No sign in; receipts are tagged to the child.
LName only too. Nine receipts this year, all counted.
Invite someone
Add by name only (no sign in), or enter an email and we will send an invite link. Members who sign in can add and view the whole ledger, or add only.
47 receipts in 2026. $1,284.00 owed back across all years.
05 · the price
Free for this year. Plus for the household.
Free keeps this year tidy for one person. Plus keeps the whole household, and it keeps counting the old receipts too.
Brainbrook Free
For one person tracking this plan year.
$0
No card needed
One person
Up to 30 receipts per plan year
Reminders for the plan dates you enter
Photo or file capture of every receipt
HSA or FSA tag and a category on every receipt
Owed back and reimbursed totals for this plan year
Search and sort
Phone and web
Download any receipt any time
Not in Free: unlimited receipts, household members, the ledger across plan years, forwarding by email, the year end export.
Renews at $4 every month or $36 every year until you cancel. Cancel from your Plan page in two clicks. The price is the total; nothing ships and there are no extras.
06 · the rules
What Brainbrook never does
01
Holds no funds
No money passes through Brainbrook, and no account of yours is connected to it.
02
Submits no claims
You ask your plan or your HSA custodian for the money, the same way you do now, with the receipt already in hand.
03
Decides no eligibility
Whether an expense counts is decided by federal rules and your plan, not by Brainbrook.
04
Gives no tax, legal or medical advice
It keeps your records and leaves those questions to your plan documents and a tax professional.
Kept, Columbus, Ohio.
07 · the tool
Try the habit on a shoebox of receipts
Eight sample receipts, two tags, and a tape that prints what you would be owed back. About a minute, and it tells you whether Free or Plus fits your household.
