Why Owedco exists

The federal R&D tax credit has been law since 1981. Most businesses that qualify for it have never heard of it, so we built a free tool to close that gap.

$13B handed back to US businesses every year

90% of qualifying businesses never collect a dollar

90 sec to find out where you stand

The problem we're solving

The R&D tax credit gives businesses real cash back (not a deduction), actual money for development work they're already doing. Software companies building products, manufacturers improving processes, biotech firms running experiments, startups iterating on anything technical.

The credit has existed since 1981 and hands back over $13 billion to American businesses every year but 90% of eligible businesses have never claimed a dollar of it. Not because they don't qualify but because nobody told them they did.

Their accountant wasn't a specialist, The IRS website is unreadable & several reasons. Every firm that does specialise in finding these credits charges a premium just to find out if you're eligible.

Owedco is the free version of that first conversation. Six questions, 90 seconds and you'll know whether it's worth taking the next step at no cost without giving us your contact details.

How we make money

We are transparent about this. When our tool suggests you're a strong candidate and you connect with a specialist through Owedco, we earn a referral fee from that specialist firm if they take you on as a client. The specialist's review is free to you and they only charge if they recover money for you.

We also display contextual ads from Google AdSense on results pages. These are standard business finance ads and are clearly separate from our content.

Neither of these arrangements affects your eligibility results. The tool gives the same answer regardless of whether you click through.

What we are not

Owedco is not a tax firm, a law firm or a financial advisor. We are an information tool. Nothing on this site is tax advice. The estimates we provide are based on general R&D credit calculation principles and your self-reported figures - they are starting points, not guarantees. Always work with a qualified professional before filing any credit claim.

Find out what your business is owed

Six questions and 90 seconds is all it takes. No email, no card, nothing else required.

Run the checker

Questions or feedback: hello@owedco.com