Every option people actually use, compared on the thing that matters: will the receipt still be findable and defensible in twenty years?
| Option | Type | Cost | Best for |
|---|---|---|---|
| A literal shoebox | DIY methods | Free (you own a shoebox) | Nothing, honestly |
| A spreadsheet | DIY methods | Free | Tracking totals and running your own math |
| Dropbox | DIY methods | Free tier, then paid storage | Cross-device file sync |
| Evernote | General tools | Limited free tier; paid plans have risen over time | General note-taking with document search |
| Expensify | General tools | Free tier, then per-user pricing | Business expense reports and employer reimbursement |
| Fidelity HSA | HSA custodians | No account fees; brokerage-grade investing | Investing an HSA balance with low fees |
| Google Drive | DIY methods | Free tier, then paid storage | General-purpose file storage you already have |
| HealthEquity | HSA custodians | Set by your employer; fees vary by plan | Employer-sponsored HSA administration |
| HSA Bank | HSA custodians | Fee schedules vary by employer plan | Employer-provided HSA administration |
| Lively | HSA custodians | Free for individuals; investment options vary | A modern, low-fee place to keep and invest HSA dollars |
| Notion | General tools | Free personal tier, then paid | Building a custom system exactly your way |
| Optum Bank | HSA custodians | Monthly fees common below a balance threshold | HSAs attached to an employer health plan |
| Your HSA provider | HSA custodians | Included with your account | Substantiating a debit-card charge this month |
| Your phone camera roll | DIY methods | Free | Capturing a receipt in three seconds |