WOZERA

The Open-Source Tax Engine
+ Real-Time Tax Agent

Ajay Agrawal

The Problem: "Solved" That Isn't

Income tax was "solved" by TurboTax 30 years ago.
Except it wasn't.

April-only thinking No year-round planning or optimization
Single-year view Carryforwards, conversions = manual
"See a professional" K-1s, rental losses, IRA basis tracking
No API access Fintechs hack together tax estimates
Black box Can't verify, can't audit

Tax Rules Are Data. AI Builds the Engine.

Tax rules follow predictable patterns. AI can read and convert them.

PDF Form
AI→
Text
AI→
Formulas
→
Tax Engine
(deterministic)
"Add lines 1 through 5" → SUM(RANGE(1, 5)) → $47,250
AI authors rules
(reads PDFs, generates formulas)
→
Minimal review
(verify logic)
→
Engine executes
(deterministic, no AI at runtime)

A complete tax engine - built and validated fast. Open source (AGPL3).

Why AI Is Safe Here (And It Gets Easier)

AI works for taxes because:

Tax math is deterministic
"Add lines 1-5" has one answer
Rules are published
IRS instructions = source data
Answers are verifiable
Run calc, compare, 100% testable
AI generates, doesn't execute
Review, test, then deploy

The Flywheel:

More Forms Added
↓
More Rules Discovered
↓
↑
Faster Addition
Higher Auto-Match
→
Less Manual Work
Today: 40%
6mo: 70%
1yr: 85%
Steady: 95%

Adding the 50th state takes 10% of the effort of the 1st.

Live Demo

Your Personal Tax Agent

Consumers stop thinking about taxes. It just happens.

$
Saves MONEY
Optimizes continuously. Never miss a deduction.
🕑
Saves TIME
No April scramble. Done all year.
✓
Saves ANXIETY
No surprises. Know your number always.

Connects to your financial life (banks, brokerages, payroll)

Watches silently, alerts when it matters

"Your RSU withholding is wrong. Pay $4,200 by Jan 15."
"Max your HSA by Dec 31 to save $1,100."
"Sell $18K in gains tax-free — you're in the 0% bracket."

Complete mindset shift: From "filing taxes" to "taxes just happen."

Agent-First Architecture

Tax Agent
(always watching)
↓ ↓ ↓
Mobile App
(alerts)
Web Dashboard
(full view)
3rd Party Apps
(API)
↓
Tax Engine (API)

The engine enables the agent. The agent enables "taxes just happen."

Business Model

$11B+ market · 150M returns/year · Intuit market cap: $180B

1. Real-Time Tax App (Consumer)

  • Tax filing is FREE
  • Subscription: year-round monitoring, alerts, optimization

2. Professional App (CPA/EA/CFP)

  • Per-seat licensing
  • Tax filing + multi-year planner built in
  • Same codebase as consumer app

3. Tax Agent + Tax API (Open Source - AGPL3)

  • Agent: full intelligence layer for 3rd parties
  • API: tax calculations for developers

Traction & Milestones

What We've Built:

✓ Tax engine core (Rust)
✓ Federal forms: 1040, Schedules A/B/C/D/E, EITC, etc.
✓ [X] state forms implemented
✓ [X] test cases passing
✓ Excel-like DSL with [X] functions
✓ Rule matching engine ([X]% auto-match)
✓ Basic web UI for testing

Next Milestones:

→ CPA Workbench v1 (Phase 1-2)
→ 10 states covered
→ First CPA contributors onboarded
→ API beta launch

The Ask

Raising: $750K - $1M (Angel Round)

Use of Funds:

40%
Tax Workbench
Complete CPA-scale infrastructure
40%
CPAs - Overseas
US-tax trained, via Workbench
20%
Infrastructure
API hosting, testing, compliance

Phased Release (18-24 months):

Month 4 Workbench stress test (7 complex forms)
Month 12 50 states, API + Tax Planner launch
Month 18 API with accuracy SLA, enterprise deals
Month 24+ Consumer filer (e-file certified)

Phase 1 = "For planning purposes" (low risk, real users)
Each phase validates before taking on more liability.

Why We Win

Intuit Wozera
Codebases 4+ 1
Update tax law Weeks per system Hours, once
Verify accuracy Trust us Audit yourself
Add new rule Engineering team Any CPA
Source Closed Open (AGPL3)

Why hasn't Intuit done this?

  • 40 years of technical debt
  • No incentive to open-source (protects margin)
  • Would cannibalize existing products

AI Tax Advisor: How It's Different

User: "Should I do a Roth conversion this year?"

Generic ChatGPT:

"It depends on your tax bracket. Generally, Roth conversions make sense if you expect to be in a higher bracket later. Consult a tax professional."

Wozera AI + Tax API:

"Based on your data, here are three scenarios:

No conversion: $0 tax now, $47,000 tax at withdrawal
$50K conversion: $12,000 tax now, $35,000 later = $47,000
$100K conversion: $28,000 tax now, $22,000 later = $50,000

Recommendation: $50K conversion saves $0 net but provides tax diversification. $100K pushes you into 32% bracket."

The difference: We CALCULATE, not just CHAT.

Market Opportunity

$5B+ DIY Tax Preparation 150M+ individual returns filed annually
$3B+ Professional Tax Prep CPA firms, enrolled agents, tax preparers
$2B+ Tax Planning & Advisory Wealth managers, CFPs, family offices
$1B+ API / Infrastructure Fintech apps needing tax calculations
$11B+ Total Addressable Market

The Pattern Applies Beyond Tax

If "rules are data" + AI works for tax, it works for:

Insurance Policy rules, claims processing, underwriting
Healthcare Billing codes, coverage rules, prior auth
Compliance SEC, SOX, GDPR, industry regulations
Benefits 401k rules, HSA eligibility, ERISA compliance
Legal Contract analysis, regulatory filings

Same insight: Rules are published. AI can read them. Answers are verifiable.
Tax is the beachhead. The platform generalizes.

Team

Ajay Agrawal - Founder/CEO

Technical Leadership

  • VP Engineering / CTO at multiple pre-IPO companies
  • Knows how to ship software and scale engineering teams
  • Built the tax engine from scratch (Rust + DSL + rule matching)

Tax Domain Expertise

  • IRS Enrolled Agent (in progress - completing 2026)
  • Can represent taxpayers before the IRS
  • Found TurboTax AMT bug that took them 3 years to fix

Rare Combination:

  • Technical depth (compilers, DSLs, infrastructure)
  • Tax domain knowledge (EA credential, hands-on experience)
  • Startup execution (pre-IPO scaling experience)

Post-Funding: Overseas CPAs (US-tax trained) to add forms via Tax Workbench

Technical Architecture

CPA Workbench (React)
↓
Backend API (Node/Rust)
↓
Tax Engine (Rust)
PDF Parser | Rule Engine | DSL Compiler | JS Generator
↓
Git (forms, rules, tests)
PostgreSQL (users, state)