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R&D Tax Credit for Software / SaaS / AI

Platforms, APIs, algorithms & ML/AI models

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Why Software / SaaS / AI companies qualify

Building, improving, and scaling software involves continuous technical uncertainty resolved through iterative development and testing — the core of qualified research for modern software companies.

The credit is calculated on qualified research expenses (QREs) — primarily wages for engineers and technical staff who spend time on qualifying activities, plus supplies, cloud/compute, and 65% of qualified contract research.

Qualifying activities in Software / SaaS / AI

The table below lists the business components that most often qualify, a common example, and the technical uncertainty that makes each one defensible.

Business componentExampleTechnical uncertainty
New platform development Multi-tenant SaaS, marketplace, or vertical platform Which architecture scales to the target load and reliability?
Proprietary AI / ML features Recommendation engine, LLM agent, fraud-detection model Which model architecture and training approach actually perform?
Significant product enhancement Reporting-engine redesign, new billing or onboarding module Can the new design hold performance at production scale?
Scalability & performance Monolith-to-microservices, query and latency optimization How to cut latency while preserving reliability?
Complex integrations & APIs ERP, payroll, banking, or EHR integrations How to reconcile disparate data models and handle failures?
Cybersecurity & data protection Encryption, identity, role-based access control Which security architecture withstands the threat model?
Real-time data & pipelines Event streaming, ETL and analytics at volume How to process at low latency without data loss?
Internal automation & AI tools Internal workflow engine, RAG assistant Which automation logic performs reliably? (internal-use bar applies)

Typical qualifying roles

Software full-stack backend and AI/ML engineers data scientists DevOps and platform engineers engineering leadership QA engineers.

Wages for time spent on qualified research may count toward your credit. Percentages depend on facts and must be documented.

Example credit scenario

Illustrative first-year ASC calculation

Qualified W-2 wages$500,000
Supplies$5,000
Cloud & computer rental$20,000
Contractor research spend$100,000
↳ 65% statutory haircut (IRC §41(b)(3))$65,000
Total QRE$590,000
Illustrative first-year ASC credit (6%) ≈ $35,400

Illustrative example using sample figures. Your actual credit depends on your facts; see Form 6765 and consult a tax professional.

The four-part test applied to Software / SaaS / AI

The IRS requires qualifying research to satisfy four tests. Here's how they typically map for this industry:

Permitted purpose

The activity aims at improving a product, process, software, or technique used in the business — not just a business outcome.

Technological in nature

The work relies on principles of engineering, computer science, biology, chemistry, or another hard science to resolve uncertainty.

Elimination of uncertainty

There was genuine uncertainty at the outset about whether — or how — the component could be built or improved.

Process of experimentation

The team evaluated alternatives: A/B tests, prototypes, benchmarks, simulations, or iterative design-build-test cycles.

See how much your Software / SaaS / AI team qualifies for

Most companies underestimate what they can claim. Our study covers every qualifying role, every component, and every year still open for amendment.

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