R&D credit co-pilot

71 Viability
Verdict

Worth building — if a CPA will sign it

The pain is real and recurring: seed-stage teams leave the §41 payroll offset on the table because the paperwork costs more attention than the refund feels worth. The wedge is narrow and defensible for about eighteen months. What the score is missing is whether a licensed preparer will attach their name to a narrative a model drafted — that single answer moves this number more than any feature you could add.

Worth building 6 competitors 9 weeks to first customer Reviewed 4 min ago · 12 sources

Where the score comes from

Problem is real 88
Buyer is reachable 74
You can ship it 69
Defensible for a while 58
Regulatory exposure 41

The composite weights the first two axes most heavily. Regulatory exposure caps the score — it cannot be offset by strength elsewhere.

Strongest signal

Problem is real, at 88 — the highest any of your seven ideas has scored on that axis.

The question that decides this

Will a licensed CPA put their name on a §41 narrative that a model wrote? Ask five. If four say no without a human review step, the product is a workflow tool for preparers, not a filing co-pilot for founders.

Review details

Reviewed7 Aug 2026, 09:44
DepthStandard
BluntnessDirect
Market scopeUnited States
Sources consulted12
Report sections5
Change these defaults in Settings → Reviews.

What to build first

Four steps, in order
Step 01Before code

Get one CPA to co-sign a manual filing

Do the whole thing by hand for a single startup. If no preparer will attach their name, nothing downstream matters — and you will have learned it in a week rather than a quarter.

Step 02Weeks 1–3

Payroll ingestion for two providers

Gusto and Rippling cover most of the seed-stage market. Pull employee records, wage totals and role titles — that is the raw material of the qualified-expense calculation.

Step 03Weeks 4–7

Narrative drafting with a mandatory review gate

Generate the technical narrative, then block submission until a named preparer approves it. The gate is the product's legal posture, not a nice-to-have.

Step 04Weeks 8–9

Form 6765 output and hand-off

Emit a filled 6765 plus a substantiation pack. Do not attempt e-filing in v1 — hand the pack to whoever already files the return.

How efficient it is

Model estimate
9 wks
To a first paying customer
14 wks
To a product you'd demo publicly
$60–90k
Estimated build cost at two engineers
8
Integrations before it feels finished

Most of the cost is not the model — it is payroll integrations and the review workflow. Every week you spend on narrative quality before a preparer has agreed to sign is a week spent on the wrong axis.

Estimates assume two engineers and no compliance counsel on retainer. They are modelled, not quoted.

Who else is doing this

See full landscape
MainStreet82
Neo.Tax78
TaxTaker61
Boast.AI54
Clarus R+D49
Gusto33

Overlap score, 0–100 — a model estimate of how much of your wedge each company already covers.

MS

MainStreet

Tax credits for startups · United States

Closest to the wedge. Sells the R&D payroll offset directly to early-stage teams and has done the payroll-integration work you would be starting.

Overlap82
NT

Neo.Tax

Automated R&D credit filing · United States

Automation-first positioning that is the nearest thing to your stated pitch. Also the clearest evidence that a human review step is standard rather than optional.

Overlap78
TT

TaxTaker

R&D credit advisory · United States

Advisory-led rather than product-led. Slower to serve each customer, which is exactly the gap a software wedge is supposed to exploit.

Overlap61
BA

Boast.AI

R&D claims · Canada and United States

Strong in Canadian SR&ED with a US practice attached. Overlap is partial because the buyer profile skews later-stage than seed.

Overlap54
CR

Clarus R+D

R&D tax credit software · United States

Software-plus-service model aimed at small and mid-size businesses. Not startup-native, which is the positioning space left open.

Overlap49
GU

Gusto

Payroll platform with an R&D credit feature

The platform risk. Already holds the payroll data and offers the credit as an add-on — if they deepen it, your integration advantage disappears overnight.

Overlap33
Company profiles are qualitative on purpose — Litmus does not publish funding or revenue figures it cannot verify.

Brief roadmap

3 of 12 done
Phase 1Weeks 1–3

Prove someone will sign

No product work until this is answered.

Phase 2Weeks 4–7

Make the data flow

Two payroll providers cover most of the market.

Phase 3Weeks 8–11

Draft, review, file

The review gate is the product, not a checkbox.

Phase 4Weeks 12–14

Sell it to the second customer

The first one is a favour. The second is a business.

Ticking a box only tracks your progress — it doesn't change the score. Re-run the review after a real change.

This report is model-generated from a short description and public information. Scores, overlap figures and effort estimates are estimates. Verify anything you'd stake money on — this is not tax or investment advice.