Exempt FundFundBuilt for FI
The triple-tax-advantaged
account you're wasting
on a copay.
Max the HSA. Invest it like a Roth. Pay medical bills out of pocket. Save every receipt. Reimburse yourself tax-free in FI. Exempt Fund is the vault that makes the 30-year hold actually survivable.
Mission
Turn every medical receipt into tax-free retirement income — for life.
We are not a custodian, not an advisor, and we never touch your money. We are the memory and the calculator standing between you and a 30-year tax-free withdrawal.
The play
The HSA play the FIRE community already knows.
You've read the Mad Fientist. You know the math. The hard part isn't the strategy — it's keeping 30 years of receipts intact, organized, and audit-ready. That's what we built.
- STEP 1
Max the HSA. Pay medical bills from your taxable account. Invest the HSA aggressively.
- STEP 2
Save every receipt. Let the HSA compound, tax-free, for 20–40 years.
- STEP 3
In FI, reimburse yourself for decades of receipts — tax-free, penalty-free, on your timeline.
- STEP 4
It is the only triple-tax-advantaged account in the US tax code. Don't waste it on a copay.
What you get.
Forever Storage
Thermal receipts fade in 3 years. Ours last 30+. Built for a multi-decade hold.
Confidence Scoring
Every receipt scored High / Medium / Low against IRS Publication 502. No guessing in year 22.
Unlockable Balance
One number on your dashboard: the tax-free cash you can pull from your HSA today.
Audit-Grade Evidence
Immutable evidence packages your future accountant — or the IRS — will accept.
Learn
Read it from the source.
Don't take our word for the strategy. These are the primary IRS and government sources the FIRE-HSA play is built on.
IRS Publication 502 — Medical & Dental Expenses
irs.gov ↗The official list of what counts as a qualified medical expense. If it's on here, the receipt is reimbursable from your HSA — tax-free, forever.
IRS Publication 969 — Health Savings Accounts
irs.gov ↗The HSA rulebook. Confirms there is no time limit on reimbursement — the receipt you save today can be paid back to you decades from now.
IRS Form 8889 — HSA Contributions & Distributions
irs.gov ↗The form you file every year you touch your HSA. Knowing it exists is step one to treating your HSA like the long-hold investment account it really is.
HealthCare.gov — Health Savings Account (HSA)
healthcare.gov ↗Plain-English government primer. Useful to share with a spouse or family member who isn't sold on the strategy yet.
Join the early-access list.
Alpha invites are going out monthly. Founding-member pricing locked in for the first 500.