Hey r/hsa — I am new here in this community and this is my first year contributing to an HSA. I wanted to be organized from the start and I was not satisfied with some of the other options I looked in to. I built something I think will be useful for people running the deferred-reimbursement strategy.
What it is: Stowe is a desktop app for logging out-of-pocket medical expenses and keeping receipt documentation so you can pull the money from your HSA years later — safe and auditable.
Why local-only matters here: You're attaching photos and PDFs of your medical receipts. That's sensitive data. Existing apps in this space (and there aren't many good ones) are SaaS products that store those files on their servers. Stowe stores everything in a SQLite file and a receipts folder on your own machine. Nothing leaves your computer.
What's in v0.6.0 (shipped yesterday):
- Custom expense categories — not just the seven built-in HSA defaults
- Spending analytics — category breakdown + monthly/annual charts
- HSA account linking — track your balance, contributions, and distributions inside the app
- Custodian CSV import — import your distribution history and reconcile it against the pulls you've recorded
- Signed and notarized macOS build — first time launching on Mac no longer requires the Gatekeeper bypass workaround
Platforms: macOS and Windows. Free, open source (MIT).
stowe.health · github.com/Conkay1/Stowe · Releases
Would love feedback — especially from people who have been tracking receipts some other way. What's missing?