Know what you owe.
Stop throwing EOBs in a folder. Track every bill, EOB, and insurance payment so you know exactly what you owe — without an account, without a download, and without paying for a paper log book. Free.
Coverage progress
Medical bills
| Provider / patient | Service date | Billed | Insurance | You owe | Status |
|---|
Simple by design
Local-first
No account. No health data leaves your device.
EOB-ready
Compare billed, allowed, insurance, and patient amounts.
Actionable
Find open balances before they become late notices.
⚖️ How EOBVault compares
Full breakdown →EOBVault is the only web/PWA medical bill tracker that works on any device without an account. Here is how the alternatives stack up:
| EOBVault | EOB Keeper | MedBillTracker | Themis | Goodbill | |
|---|---|---|---|---|---|
| Platform | 🖥️📱 Web + PWA | 📱 iOS only | 📱 iOS only | 🖥️ Web | 🖥️ Web (account) |
| Account required | None | None | None | Email + subscription | Email + billing |
| Data storage | Your device only | Your device only | Your device only | Local-first (claimed) | Goodbill servers |
| Free tier | Unlimited bills | Limited features | 15 entries | None | None |
| Paid plan | $9 one-time | $4.99 one-time | $2.99+/mo | $19–199/mo | % of savings |
| EOB reconciliation | ✔ Built-in | — | — | ✔ Built-in | ✔ AI-powered |
| Deductible tracker | ✔ Built-in | — | — | ✔ Built-in | — |
| Offline | ✔ Full PWA | ✔ Native | ✔ Native | — | — |
| Receipt storage | Pro only | — | — | — | ✔ Upload |
Comparison based on publicly available information as of August 2026. Goodbill is a bill negotiation service, not a tracking app — included for context. See full 8-tracker comparison →
EOBVault Pro
Free
- Unlimited local bills
- Deductible tracking
- CSV export
Pro BEST VALUE
- Encrypted backup export
- Receipt and EOB attachments
- Multi-person household views
EOBVault is an organizational tool, not medical, insurance, tax, or legal advice. Verify every amount against your provider bill and Explanation of Benefits. Never enter full Social Security numbers, health-plan passwords, or payment-card details.
📋 Not ready to commit?
Print our free Medical Bill & EOB Reconciliation Worksheet — a single-page template you can fill out by hand. See if the method works for you before going digital.
📚 Understand your medical bills
Free guides to help you take control of your healthcare costs:
❓ Common questions
- Is EOBVault free to use?
- Yes. EOBVault is free for unlimited medical bills, deductible tracking, and CSV export — no account, no credit card, and no cloud storage. EOBVault Pro is a one-time $9 upgrade for encrypted backup export, receipt and EOB attachments, and multi-person household views.
- Do I need an account to use EOBVault?
- No. EOBVault works without an account: all data stays on your device and no health data leaves it. Everything is stored locally in your browser.
- What can I track with EOBVault?
- EOBVault tracks medical bills and Explanation of Benefits: the amount billed, what insurance paid, what you still owe, deductible progress, and out-of-pocket maximum — so you know exactly what you owe before a bill becomes a late notice.
- What does EOBVault Pro include?
- EOBVault Pro is a one-time $9 purchase and includes encrypted backup export, receipt and EOB attachments, and multi-person household views.
- Does EOBVault work on my phone?
- Yes. EOBVault works on any device — phone, tablet, or desktop. Install it as an app from your browser, no app store needed, and it works offline as a Progressive Web App.
- Is EOBVault medical or insurance advice?
- No. EOBVault is an organizational tool, not medical, insurance, tax, or legal advice. Verify every amount against your provider bill and Explanation of Benefits.