What Reimburse is
Reimburse helps you pay less tax, whether you work for yourself, draw a paycheck or both. The app is free: it keeps track of what earns money back (business expenses, mileage, HSA receipts, home improvements and charitable gifts, each read from a photo or an email in seconds), works out the numbers with free calculators, and never asks for your bank login. Membership, $499 a year or $49 a month, adds Pay Less in Taxes, 58 short video lessons by Ankur Nagpal, founder of Carry and Teachable, each ending in a move priced on your own numbers; a forecast of this year's tax from your pay stub and last year's return; and a tax agent that answers from your numbers and your course. Pro, $999 a year, adds Reimburse inside Claude or ChatGPT, a packet for your CPA and a check of your drafted return before you sign.
The facts
Everything it does and doesn’t do, one line each.
- What it is
- Trackers for what you keep adding to (business expenses, mileage, HSA receipts, home improvements, charitable gifts) and free calculators for what you work out once in a while (a Solo 401(k), where your cash keeps the most after tax, which account your next dollar should go to, self-employment tax, the home office). Each receipt shows what it is worth to you.
- Who it’s for
- Anyone in the United States who wants more back at tax time. The business side is for anyone who files a Schedule C: sole proprietors, freelancers, independent contractors, single-member LLCs and side businesses. The HSA side is for anyone with a health savings account, and the home side for anyone who owns the home they live in, with or without a business.
- What it shows you
- Only what fits. A few questions about you (you work for yourself, you have a paycheck, you have an HSA, you save or invest, you own your home, you give to charity) decide what you see; nothing is switched on in a settings page.
- What it recommends
- What fits you and isn’t done yet, each with what it is worth: health insurance premiums and startup costs for a business, the most a Solo 401(k) or an HSA can take. It says what to do; it never moves money.
- HSA receipts
- Medical bills you paid yourself, kept with who they were for and what the care was, until you take the money out of the HSA tax-free, this year or decades later. Each is marked taken out one at a time, so none is used twice. It doesn’t connect to the HSA or move money. HSA receipt tracker
- Home improvements
- Every invoice for work on the home you own, photographed or forwarded to the home’s own email address, read and sorted by IRS Publication 523 into what raises its cost basis and what doesn’t, with the price where a sale would start to owe tax and an export for the year you sell. Home improvement tracker
- Charitable gifts
- Every gift to charity, kept with the charity’s receipt and priced for 2026, when up to $1,000 of cash gifts comes off federal taxes even without itemizing. It asks for the receipt the IRS wants for a gift of $250 or more. Charitable donation tracker
- Price
- Free, with no limit on receipts and no card to sign up. Pricing
- Where it runs
- On iPhone, Android and any computer, in the browser. On a phone you add it to your home screen from Safari or Chrome and it opens like an app, camera included. It isn’t in the App Store or Google Play.
- How expenses go in
- Point the camera at a receipt, paste a screenshot, or drop a file on a laptop. AI reads the merchant, date, total and card in about two seconds and picks the Schedule C line. You can also type one in.
- What logs itself
- The business share of your phone and internet and the home office, written in on the first of every month. Trips go in by the mile at the IRS rate of the day you drove.
- How “back” is worked out
- The deductible amount times your combined marginal rate: self-employment tax, your federal bracket after the 20% qualified business income deduction, and your state’s schedule, including New York City. Change an answer and the year reprices.
- What it leaves alone
- It doesn’t connect to your bank, cards or HSA, send invoices, track income, keep a profit and loss, or file your taxes. At the end of the year it hands you a packet for your CPA or tax software.
- For your CPA
- A PDF by Schedule C line, a CSV of every expense, and every receipt image.
- Privacy
- Your receipts are not sold, not shared with advertisers and not used to train models. You can export everything or delete your account at any time.
- Tax figures
- The 2026 federal tables from Rev. Proc. 2025-32, the SSA’s 2026 wage base and every state’s schedule, checked on September 25, 2026.
- Contact
- Write to us from Contact us: support, something broken, or an idea.
When it’s the right choice
You want to pay less tax without handing over a bank login. You work for yourself, keep HSA receipts, or both, and you’d rather snap a receipt than import transactions. You want to see what each one is worth to you, and what else you could be doing.
When something else is better
You want every card transaction imported automatically, you need invoicing or bookkeeping, you want your phone to detect drives on its own, or you want the same app to file your return. How the others compare.
Start with one question.
Which of these are true for you? Reimburse shows what fits, and nothing that doesn’t.