What's inside
- Summary: what you paid out of pocket since the HSA opened, what's been reimbursed, what you can still reimburse tax-free (and how much has a saved receipt), receipts still to save, rows to check, contributions vs the limit for any tax year, and totals by year and by category
- Receipts: up to 300 expenses (date, person, provider, category, amount, paid out of pocket or with the HSA card, receipt saved, reimbursed amount and date) with eligible, still reimbursable and a check column
- Contributions: up to 150 deposits (yours and your employer's) and the IRS limits for 2024, 2025 and 2026 (self-only and family, + the 55+ catch-up) with the room left each year
- Sample file: a family HSA with 14 expenses and three years of contributions: $4,196.39 can still be reimbursed, one receipt is missing and one prescription was paid twice
Checked, not just designed: all 1,023 formulas recalculate with zero errors, and every row, total and limit was checked against an independent calculation in 8 scenarios.
Works in Excel and Google Sheets. Not tax advice.
Try the free version first
The free online calculator uses the same model for a quick answer. The spreadsheet adds tracking, history and the full views.