Use it. Don't lose it.

Your FSA money shouldn't disappear on December 31st.

Benero tracks every eligible expense year-round — so when the deadline hits, you know exactly where you stand and what you still have time to spend.

Free to start
No credit card
FSA and HSA

How much are you risking?

Adjust the sliders to see your personal exposure.

$1,500
$5002026 max: $3,300
70%
You're at risk of losing
Every year, if nothing changes
$450

At $30/yr, Benero pays for itself if it saves you just $31.

W

Why I built Benero. A few years ago I enrolled in an FSA thinking I was being smart about my healthcare costs. I was — until December 28th, when I realized I had no idea what I'd spent, what receipts I had, or how much time I had left to submit claims. I scrambled. I lost $1,141 in pre-tax money I had already earned. It wasn't a budgeting failure. It was a tracking failure. Benero is the tool I wish I'd had.

— Weston, founder

How it works

Pay with any card
Use your credit card for the points and cash back. Track the expense for FSA reimbursement separately.
Log the expense
Snap a receipt or enter it manually. Benero checks eligibility and stores your documentation.
Watch your balance
See exactly what's logged, what's pending, and how much you still have time to spend before December 31st.
Submit and keep
Generate a reimbursement packet in one click. Or export everything as an audit-ready zip — yours to keep forever.

Everything you need

Built for real FSA and HSA holders — not for HR departments.

Expense tracker with eligibility check
Log expenses, confirm eligibility with AI, and track reimbursement status from not submitted to paid.
Claim packet generator
Select expenses, choose your provider, and download a formatted reimbursement PDF + receipts zip in one click.
Provider directory
Step-by-step submission instructions for 10 major FSA/HSA administrators — HealthEquity, WEX, Lively, Optum, and more.
Unusual expenses guide
Searchable database of 40+ surprising but legitimate eligible items — sunscreen, acupuncture, feminine hygiene, and more.
AI receipt scannerComing soon
Snap a Kroger or CVS receipt. Benero finds every FSA-eligible line item automatically.
Audit-ready export
One-click zip of every receipt and document, organized and portable. If the IRS ever asks, you're ready.
$339
Average FSA forfeited per year
38M
HSA account holders in the US
7 yrs
IRS audit window for HSA records

Common questions

Don't lose what's already yours.

Join the Benero waitlist for free early access. No credit card. No commitment.

$30/year·FSA + HSA·Your data, always