Turn your payroll into
tax credits
Upload one payroll report - or type a few numbers off your books - and we find every federal credit hiding in it, stack them into one number, and hand a CPA-ready packet to your accountant. Free until they file. We do the math; we don't file for you.
A Little Caesars franchisee: $31,338 back - from the tip credit alone.
That's just §45B (FICA tips) across 2024–2025 - money their team already reported. We screen 7 more federal credits on the same payroll (health care, retirement, and more). Read from their ADP export, packaged for their CPA. We do the math; the CPA files.
“Doesn't my accountant already do this?”
Almost always: no - and it's the wrong job to expect of them.
Filing ≠ hunting credits
Your CPA files your return. Combing payroll line-by-line for the FICA tip credit and seven others is separate work most CPAs don't do unless you hand it to them.
Hours of work, done for you
We do the discovery and substantiation - several hours per year - and hand your accountant a ready-to-file packet. Miss it, and that money is left on the table.
If they already claim it, you owe nothing
Our fee is a share of credits you actually receive. If your CPA is already getting all of these, there's no new money - and nothing to pay us. Zero risk to check.
What we find - and what it's worth
One payroll report screens all eight federal employer credits. Drag the slider to size the stack to your business - it repeats at every location you run from one login.
$8,000–$107,500/yr
for a single location
Illustrative range - few businesses qualify for all eight at once, and your exact figure comes from your payroll. You pay 15% on your first location, 10% on each additional; your CPA confirms every figure before filing.
The eight we screen for - per location
FICA Tip Credit §45B
Recover 7.65% of the tips your staff report.
Federal - available in every state; value scales with your tip volume.
$1,000–$15,000/yr
per location
How it worksSmall Business Health Care §45R
Up to 50% of the health premiums you pay for your team.
Wage-sensitive - phases out where average wages are high, so it's often thin for CA employers outside lower-wage areas.
$2,000–$30,000/yr
per location
How it worksRetirement Plan Startup §45E/§45T
Up to $5,000/yr for three years for starting a 401(k) or retirement plan.
Available in any state.
$1,000–$5,500/yr
per location
How it worksDisabled Access §44
Half of what you spend making your space ADA-accessible.
Available in any state.
$500–$5,000/yr
per location
How it worksPaid Family & Medical Leave §45S
12.5%–25% of the wages you pay employees on family or medical leave.
Made permanent & expanded for 2026 (OBBBA). Works even in states with mandated PFML - for the leave you fund above the state minimum.
$1,000–$8,000/yr
per location
How it worksDifferential Wage (Military) §45P
20% of the make-up pay for employees called to active military duty.
Any state. 20% of up to $20,000 of make-up pay per employee called to active duty over 30 days.
$500–$4,000/yr
per location
How it worksEmployer Childcare §45F
40–50% of what you spend providing child care for your team.
Quadrupled for 2026 (OBBBA): 40% of childcare spend (50% for small businesses), up to $500K–$600K.
$2,000–$40,000/yr
per location
How it worksWork Opportunity Credit WOTC
We guard the 28-day hiring-credit deadline so eligibility survives. In hiatus - never billed.
Any state - each hire must be certified by your state workforce agency (e.g. CA EDD), with Form 8850 filed within 28 days.
Deadline protection
tracked · not billed
How it worksCould you actually claim them?
These are federal credits with real limits - headcount, wages, your state's tip and health-coverage rules. Check where you likely stand in a few clicks.
Which credits could you claim?
A few quick facts - see where you likely qualify and what would limit each credit. No signup.
Directional estimate only (June 2026 data), not tax advice. Your CPA confirms eligibility - and P.A.I.D. runs the exact numbers once you upload your payroll report.
How it works
Three steps from “I had no idea” to money your CPA can actually file. Nothing to pay until it's claimed.
See your number - free
Six quick questions. A dollar range on screen.
No account, no email, no card. Answer a few rough figures - headcount, tips, premiums - and see a conservative estimate of what you could be owed before you commit to anything.
Upload your report - or type the numbers
One file, or a few figures, feeds all 8 credits.
Export your payroll report - we have step-by-step instructions for ADP (and more coming) - then upload it. We read hours, wages, and tips per employee and pre-fill your credits. Don't have a report handy? Just type the numbers off your books. No SSNs, no names.
We calculate, your CPA files
A packet of real IRS forms - pay only when filed.
We compute all eight credits, de-duplicate overlapping wages so nothing is counted twice, and generate a CPA-ready packet mapped line-for-line to the IRS forms. Your accountant reviews and files. Our success fee applies only after it's filed - never upfront.
Get in touch
Questions, partnerships, press, or you'd rather just talk it through - reach us directly and we'll get back to you.
See what your business is owed
A couple of minutes, no card, nothing to pay until your CPA files.
P.A.I.D. is a software calculator - not a CPA, law firm, or tax-preparation service. We estimate the credits you may be eligible to claim and prepare CPA-ready IRS forms. We do not file, sign, e-file, or submit anything to the IRS, and we do not give tax, legal, or accounting advice. Every figure is an estimate your own tax professional reviews, approves, and files. See our disclosures and terms.