Starship is a health savings account (HSA) designed to help people spend, save, and invest in their health.

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Asset Class Return30d

#39 Rank

In Robo Advisor30d


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With a triple tax break, no hidden fees, and automatic investing, Starship is empowering 100,000+ individuals and families to plan for their future health. It's the the all-in-one health savings account – spend, save, and invest!

Things to Know

  • You make money on

    Value + Dividends

  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment


  • Target Return

    7% - 10%

  • Liquidity


  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • Tax-free contributions

  • Tax-free earnings

  • Tax-free distributions

See inside MoneyMade’s 6-figure multi-asset portfolio


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4yr+ Returns

How you make money

A health savings account (HSA) is the only type of account with a triple tax break. This means potential tax breaks on contributions, investment growth, & health-related purchases. An HSA is one of the best places to put your money if you're looking to maximize growth potential and minimize your tax burden. 

Balances in your Starship Spending Account (“Spending”) earn . 01% Annual Percentage Yield (“APY”) on deposit balances $0.01 – $1,999.99 and .04% APY on deposit balances $2,000 and above. We use the Spending account’s end of day balance to calculate the interest earned that day. 

If you invest some or all of your health savings in a Starship Investing Account you will also earn through stock price appreciation + dividends. For reference: according to historical records, the average annual return from the S&P Index since its inception in 1926 through 2018 is approximately 10%–11%. The average annual return since adopting 500 stocks into the index in 1957 through 2018 is roughly 8%. Adjusted for inflation, the historical average annual return is around 7%. However, it's important to note that each Robo has their own investment strategy that can influence returns.

How Starship makes money

1. It's free to save and spend with your Starship Spending Account.

2. It's only $1/mo for balances below $5,000 with an additional .35% AUM/mo for balances $5,000+ with your Starship Investing Account. 

3. Potential additional fees include ~0.2% ETF management fee for investments, and 1- 3% foreign transaction fee when spending outside the U.S.

Is it safe?

Starship was founded 8 years ago, and has since undergone four rounds of funding for a total of $7 million raised to date. Most recently, it closed a Series A round in March of 2021.

  • Established


  • Country Available

    US Only

  • Assets Managed


How You’re Taxed

Capital Gains

Capital Gains

As with any stock realized stock gains, investors are subject to capital gains tax. If gains are realized within one year, you are taxed at your income tax rate. If gains are realized after one year, you are subject to a long-term capital gains tax of 0% to 20%. A common service that some robo-advisors offer through their systems is automatic tax-loss harvesting. Tax-loss harvesting is a deliberate strategy whereby any loss from the sale of a security in a taxable account is used to offset a capital gain or taxable income, thereby reducing the tax paid.


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