HsaHarvest

HsaHarvest is a mobile + web app (traditional + AI) that helps individuals actually use their HSA as a long-term, tax-advantaged investment account instead of a forgotten cash bucket. It connects to your HSA provider (where supported) and to your spending accounts to track eligible medical expenses, then recommends a simple “invest vs. keep cash” policy based on your deductible, emergency fund, and near-term health spending. The app maintains an IRS-friendly receipt vault, flags reimbursable expenses you can claim later, and estimates the tax value of leaving money invested (triple-tax advantage) versus pulling it out. An AI assistant explains rules in plain English, highlights common mistakes (over-cashing, losing receipts, investing too aggressively), and generates a clean reimbursement report you can hand to your tax preparer. Realistically, the hardest part is integrations; the MVP can start with manual imports and a receipt workflow.