CreditLedger

CreditLedger is a web + mobile app that helps individuals capture, validate, and document tax credits and deductions throughout the year, not just at filing time. Users connect payroll, bank, and HSA/529 accounts, then the app flags likely credit eligibility (e.g., child/dependent care, education, EV charging, energy efficiency, retirement savers credit) and prompts for missing evidence with a simple checklist. It generates an “audit-ready packet” per category: receipts, forms, notes, and a plain-English rationale tied to IRS guidance. This is an AI + traditional app: AI reads transactions/receipts and suggests categories, while rules engines enforce conservative thresholds and required documentation. It does not replace TurboTax/CPA; it exports clean summaries and attachments to hand off. The value is fewer missed credits and less panic in March/April, with fewer “I think this counts?” mistakes.