Stowe is a free desktop app for people who pay medical expenses out-of-pocket and want to reimburse themselves from their HSA years later — legally and with a clean paper trail. The IRS allows this strategy (called "deferred reimbursement"), but it requires you to keep every receipt for every expense, indefinitely. Stowe makes that manageable. Stowe stores everything locally — receipts folder on your own machine. No account required, no files sent to a server, no subscription.
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Maker
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Hey Product Hunt! I'm Connor, and I built Stowe to solve a very specific problem I had.
I have just started contributing to my HSA this year and wanted to be organized from the start. I am planning on using a deferred-reimbursement strategy — paying medical bills from my checking account, letting the HSA compound, planning to reimburse myself later. But I couldn't find a good tool for keeping track of the receipt documentation that makes it legal. The SaaS options all wanted me to upload my medical receipts to their servers. That felt wrong.
So I built Stowe: a local desktop app that keeps a running "Vault Balance" of how much I could pull from my HSA today, with all my receipts attached and stored on my own machine.
v0.6.0 is the biggest release yet. The two things I'm most proud of: the custodian CSV import (you can now reconcile your recorded pulls against your HSA custodian's actual distribution history) and finally getting the macOS build signed and notarized so the install experience is clean.
Would love to hear from anyone else running this strategy — and especially from people who tried earlier versions and hit rough edges. What would make this more useful for you?