The first 5 minutes — recommended setup

Here's the fastest path from signup to a working setup.

1. Set your tax rate (10 seconds)

Open Manage Household from the account menu. Set your marginal federal + state tax rate. We use this to calculate your tax savings on the dashboard so you can see, in real dollars, what reimbursing yourself later is actually worth.

If you don't know your rate offhand, 25–30% is a reasonable starting point for most US households.

2. Add your family members (1 minute)

Still on Manage Household, add your spouse and any children whose medical expenses you want to track. You can tag every expense to the right person, which makes Form 8889 much cleaner at tax time.

The account owner (you) shows your real name automatically — no extra setup.

3. Connect your HSA (2 minutes — Premium)

If you're on Premium, head to Connections → Connect a bank account and link your HSA via Plaid. We'll pull your current balance and start watching for medical transactions to flag for review.

If you're on the free plan, you can add a manual HSA account instead — set the name and balance, and update it whenever you want.

4. Add a few expenses (2 minutes)

The fastest way to get a feel for the app is to add 3–5 real expenses you've had in the last few months. Use the Add Expense button on the dashboard. If you have receipts handy, upload them — Premium users get AI auto-fill, free users get 3 trial scans, then it's manual entry.

5. (Optional) Try Smart Reimbursement

Once you've got expenses logged, click Smart Reimbursement on the dashboard. It walks you through pulling money out of your HSA against the expenses you've tracked — useful if you want to actually reimburse yourself, or just to see how the workflow works.

That's it. You're set up.

Updated on: 05/06/2026