Robo Advisor

Starship is the modern, mobile health savings account (HSA). An HSA lets you save tax-free, spend tax-free, and invest tax-free.

Investment risk


Min investment


Target return

7% - 10%




Starship is on a mission to simplify HSAs. Health savings accounts should work 
for you. Starship automates your health spending, savings, and investing — 
all in one place. Whether you need help with the HSA basics or the nitty gritty, Starship is just a chat or phone call away. 


Manage your Starship account and thousands of other platforms with MoneyMade Portfolio!

Why Invest

  • Tax-free contributions
  • Tax-free earnings
  • Tax-free distributions

How you make money

Tier 1: 0.01% APY for balances $0-$1,999.99. Tier 2: .25% APY for balances $2,000 and above. If you invest 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.) $1/mo fee for investing (below $5,000) (2.) $1/mo + 0.35% AUM fee for investing ($5,000+) (3.) ~0.2% ETF management fee (4.) 1-3% foreign transaction fee (outside of the U.S.)

Is it Safe?

Investing entails risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

Things to know

  • You make money onValue + Dividends
  • Fees$1
  • Payout frequencyQuarterly
  • Term of investment months
  • LiquidityModerate
  • Open toAll Investors


  • Country availabilityUS only
  • Assets under managementUnknown
  • Established2016
  • Mobile ApplicationIOS, Android

Investment Return Calculator

Calculate your estimated return to reach your investment goals.




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Any references to past performance, regarding financial markets or otherwise, do not indicate or guarantee future results.

Forward-looking statements, including without limitations investment outcomes and projections, are hypothetical and educational in nature. The results of any hypothetical projections can and may differ from actual investment results had the strategies been deployed in actual securities accounts.


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