Creytix Tax is decision support for you and a licensed professional. It is not a CPA, enrolled agent, attorney, or tax-return preparer. Outputs are not legal, tax, or accounting advice. Do not file, elect, form, or pay from these pages without professional review.
Full system
The complete loop — and the list we will not ship
Creytix Tax is decision support plus named later products (Entity, Books, Payroll, Sign). Completeness means every layer has a home and an honest refuse list. It does not mean we clone TurboTax, LegalZoom, or FlyFin.
The year, in order
Formation week through year-end. Each beat points at a named capability — not a chatbot inventing a stack.
Formation week
EIN letter, bank, organizational minutes, bylaws/OA, stock or membership ledger
minute-book · minutes-drafts · governing-docs
If you elect S-corp
Form 2553 timing, payroll onboarding, reasonable-comp documentation — not a salary heuristic
elections-2553-8832 · payroll-calendar
Every quarter
Estimated-tax dates and, if you have wages, 941 / deposits
estimated-tax · payroll-calendar
State SOS window
Annual report or Statement of Information, franchise/margin tax, registered agent, foreign qualify
sos-calendar · foreign-qualify
Annual meeting
Board/shareholder minutes or LLC consent; officer election; distributions if any
minutes-drafts
Year-end
Books pack, W-2 / 1099, return calendar, CPA packet
books-t1 · return-calendar · cpa-packet · writeoff-education
Capabilities
Wave 0 is education and drafts. Later waves execute in Creytix Entity, Books, Payroll, and Sign — never a second Ledger or e-sign product.
Records
Have now · wave 0
Minute book and evidence folder
EIN letter, articles/certificate, bylaws or OA, ledger, last SOS statement, insurance, licenses — one indexed set.
Home: creytix-tax-engine
Now: Checklist on /tax/maintain. Encrypted evidence pointers on /app/tax/documents.
Next: No plaintext returns in logs. Filing still a later wave.
Have now · wave 0
Operating agreement / bylaws customize
White-label questionnaire + locked legal fragments. Not a downloaded PDF as the product.
Home: creytix-tax-engine + governing-docs-v1
Now: Questionnaire + fillGoverningDraft on /tax/maintain/governing.
Next: Attorney review, then Creytix Sign (Wave 1/4). Do not fork e-sign.
Have now · wave 1
Authenticated entity graph
Legal name, owners, classification, nexus states, evidence docs — per organization.
Home: creytix-tax-engine /app/tax
Now: Authenticated /app/tax graph with organization_id isolation, progressive onboarding, encrypted evidence pointers.
Next: No filing. Scenario runs live at /app/tax/scenarios.
Minutes and resolutions
Have now · wave 0
Minutes, consents, and resolutions
Organizational, annual board, annual shareholders, written consent, LLC consent, banking, officer election, distribution, accountable-plan adoption.
Home: creytix-tax-engine + corp-minutes-v1
Now: Questionnaire + fillMinutesDraft on /tax/maintain/minutes.
Next: Attorney review, then Creytix Sign (Wave 1/4). Do not fork e-sign.
State filings
Build later · wave 5
Annual report / Statement of Information / franchise calendar
Per-entity due dates, official URLs, and a reminder. Filing is a partner or you.
Home: creytix-entity-procedures
Now: Education + CA SOI / DE franchise URLs. No e-file.
Next: Versioned fee tables (Wave 2) then confirmation-gated partner (Wave 5).
Have now · wave 0
Foreign qualification and renewals
Operate-in state ≠ formation state. Certificates of authority have their own calendar.
Home: creytix-tax-engine
Now: Task + learn article foreign-qualify-vs-formation-state.
Next: Cost tables Wave 2. Partner file Wave 5.
Build later · wave 5
Partner e-file (SOS + IRS MeF)
Transmit through an authorized partner after confirmation. Creytix is not the SOS or the IRS.
Home: creytix-entity-procedures + finance T3
Now: Explicitly refused on every filing task.
Next: Own MeF (T4) is a Year-5 scale gate — optional, not required for completeness.
Tax calendars and scenarios
Have now · wave 0
Federal estimated-tax dates
1040-ES / 1120 estimated dates. Amounts are CPA.
Home: creytix-tax-engine
Now: Dates on the maintenance catalog. No voucher math.
Next: Wave 2 calendar as a dated rule. Amounts stay CPA.
Have now · wave 0
Income-tax return calendar
1120 / 1120-S / 1065 / Schedule C follow federal classification, not the marketing name.
Home: creytix-tax-engine → finance T1–T4
Now: Which form, not a prepared return.
Next: T1 tax-ready pack from Books. T2 form fill. T3 partner MeF.
Have now · wave 2
Versioned scenario runs
S-corp salary sensitivity, foreign-qualify flags, franchise table lookup, PTET data (not savings).
Home: creytix-tax-engine /app/tax/scenarios
Now: Immutable scenario runs at /app/tax/scenarios. Eligibility gates payroll-tax delta. Calendars, nexus flags, and PTET education from published tables.
Next: RAG explains published rules after a run. Still no total-tax toy.
Write-offs and strategies
Have now · wave 0
Write-off and strategy education
Ordinary/necessary, home, vehicle, meals, startup vs capital, accountable plan, retirement/health, S-corp wages, depreciation, QBI education, never-deductible.
Home: creytix-tax-engine
Now: /tax/maintain/writeoffs from DEDUCTION_TOPICS.
Next: CPA maps books onto the return. No FlyFin clone.
Federal elections
Build later · wave 2
Form 2553 and Form 8832 packets
S-corp election vs entity-classification election are separate instruments with separate deadlines.
Home: creytix-entity-procedures
Now: Eligibility + learn article. No submit.
Next: Deadline functions Wave 2. Packet + Sign Wave 4. Partner transmit Wave 5.
Books
Build later · wave 5
Tax-ready books pack
Trial balance, P&L, balance sheet, fixed assets, 1099 vendor report — export for a CPA.
Home: creytix-books-ledger
Now: Architecture in finance-suite §4 T1. Not this public site.
Next: Read-only Books feed into Creytix Tax packs. Do not fork QuickBooks.
Payroll
Build later · wave 5
941 / 940 / deposit / W-2 calendar
Payroll deposits are a different cadence from 1040-ES. Missing them stacks penalties.
Home: creytix-payroll
Now: Education task. WY-first payroll is finance-suite PR1.
Next: Gross-to-net + EFTPS human-approved deposits. No Gusto as the home.
Professional handoff
Build later · wave 4
CPA / attorney packet + Creytix Sign
Snapshot, graph, scenarios, citations, open questions, reviewer attestations.
Home: creytix-tax-engine + document.sign.platform
Now: Disclaimer + methodology. Worksheets are unsigned.
Next: Signed packet after professional review. One Sign product.
Regulatory intelligence
Have now · wave 3
IRS / IRB / Federal Register ingest
FR API + IRB artifacts → human publish → alerts. Never a fake live ticker.
Home: creytix-tax-engine /app/tax/regulatory
Now: Hashed IRS/IRB/FR artifacts at /app/tax/regulatory. Fixture ingest, operator-triggered official Federal Register API fetch, and an unattended daily FR API cadence poller. Human review before published non-binding alerts. Does not calculate tax. Does not mutate executed scenarios. Not a live ticker.
Next: Still no live IRS.gov ticker. CorpNet, filing, and Sign packet stay later.
AI explain (later)
Have now · wave 4
Grounded copilot on published rules
Explain a rule result, list missing facts, draft a packet. Never invent math or file.
Home: /app/tax/advisory
Now: Retrieve-only RAG at /app/tax/advisory after an executed scenario. IRC §7216 / Pub 4557-style recorded consent gates a model restatement of that published RuleResult text. Production default has no provider (no_provider). Does not calculate tax. Return uploads, EINs, and people are not sent.
Next: Packet + Sign stay later. Do not auto-wire a model provider. Filing stays later.
What we will not build
Informational onlyInformational only. These twenty items stay refuse. They are product law, not a backlog and not a later-wave schedule.
Completeness is this list as much as the capability list. Full write-ups live on /tax/wont-build.
Informational · 1 / 20
A product named Ledger
The tax engine is creytix-tax-engine. Ledger already means Cost Ledger and the chat harvest ledger.
Informational · 2 / 20
LLM-calculated tax, eligibility, or statutes
Models invent wage bases and elections. Math lives only in @creytix/tax-rules.
Informational · 3 / 20
Federal-bracket “total tax” calculator
Without filing status, QBI, NIIT, additional Medicare, and state rules, a “total tax” number is a lie.
Informational · 4 / 20
FlyFin / Keeper-style AI write-off finder
Personalized “write this off $X” is advice we are not licensed to give.
Informational · 5 / 20
Vehicle / Tesla / boat / aircraft write-off pitches
Listed-property rules are facts plus a CPA. A shopping list is marketing.
Informational · 6 / 20
Hire-your-kids-to-zero-the-tax schemes
Child-labor, reasonable-wage, and kiddie-tax facts are not a productized loophole.
Informational · 7 / 20
$80k–$100k S-corp salary heuristic
Reasonable compensation is professional judgment, not a blog percentage of profit.
Informational · 8 / 20
First-party Secretary of State e-file bureau
We are not CorpNet, Harbor, or LegalZoom. State portals and authorized transmitters exist.
Informational · 9 / 20
A second e-sign product
Creytix Sign is the envelope. Forking e-sign per tenant is the defect.
Informational · 10 / 20
Nominee kits, straw owners, or “hide from IRS/creditors”
Privacy is a public-record tradeoff. Concealment is out of product.
Informational · 11 / 20
FinCEN BOI as a current U.S. company duty
The August 14, 2026 final rule ended BOI for U.S. companies and U.S. persons.
Informational · 12 / 20
Alter-ego / piercing / charging-order guarantees
Courts look at capitalization, commingling, and formalities. Software cannot insure the veil.
Informational · 13 / 20
QBI, NIIT, PTET-savings, or QSBS exclusion engines
Those need return-level facts we will not invent. PTET is a state election, not a federal hack.
Informational · 14 / 20
Wayfair sales-tax rate calculator
Nexus and rates are a specialist engine. Guessing a rate is worse than a calendar.
Informational · 15 / 20
Fundraising cap-table product (Carta/Pulley clone)
A stock ledger for formalities is not priced rounds, SAFEs, and 409A.
Informational · 16 / 20
Gusto / ADP as the payroll home
Payroll is in-suite (creytix-payroll). Providers are import fallbacks, not the home.
Informational · 17 / 20
IRS Direct File clone
Direct File is not a Filing Season 2026 path. Free File remains the IRS free option when you qualify.
Informational · 18 / 20
Practicing law or Circular 230 return preparation in Wave 0–4
Unauthorized practice and E&O. Template-population is not counsel.
Informational · 19 / 20
Fake live IRS.gov ticker
Unreviewed HTML scrape is how stale BOI and wrong wage bases ship.
Informational · 20 / 20
Trust mill / asset-protection kit as a productized dodge
Grantor vs non-grantor tax and charging-order outcomes are attorney work.
Next
Use the Wave 0 tools. Do not wait on a clone.
Draft minutes or governing docs, keep the filing checklist, and read the write-off topics. A CPA or attorney still files and signs.