Niptei Tax · Private Beta
Your taxes, in plain language.
Niptei Tax is your Tax Life OS: Save all year, Rescue when a letter comes, Recover money the IRS owes you, and Prevent the next problem. Start by decoding a notice, estimating a refund, or checking for money you may have left behind.
- ★ Private Beta
- English · Español · Kreyòl
- No SSN stored
- Every number traced to an IRS source
SAVE
Year-round legal saving: withholding checks, quarterly estimate autopilot, deduction capture, retirement timing.
Open Learn →RESCUE
Decode any IRS notice in your language, see the real deadline, and follow the next steps. Scared it might be fake? Run the Scam Shield first.
Decode a notice →RECOVER
Missed credits and unclaimed refunds from the last three years — before the IRS keeps them forever.
Find unclaimed refunds →PREVENT
An IRS online account, an IP PIN, your Tax Passport vault, and a Deadline Radar that watches every clock for you.
Set up my IRS account →Deadline Radar
No deadlines yet. Decode a notice or start a checklist and its deadline will appear here.
Unclaimed Refund Finder — the 3-year window is closing
If you had tax withheld from pay but never filed, the IRS may be holding your refund. Under IRC §6511 you generally have 3 years to claim it — after that, the money is forfeited. A refund-year late filing carries no late-filing penalty when a refund is owed.
Dates come from the tax-year tables (the Update Engine), never from hardcoded prose. Start the non-filer check →
01 — Refund speed
How fast is a refund, really?
E-file + direct deposit
~21 daysThe IRS's general guidance for most e-filed returns with direct deposit.
Paper return + direct deposit
SlowerThe IRS must open, scan, and key in your paper return first.
Paper return + paper check
SlowestProcessing plus printing and mailing a check adds weeks.
02 — The tools
Free tools — for every visitor, not just simple returns
Notice Decoder
Got a letter? Paste the notice code and get plain language plus the real response deadline.
Open →Refund Estimator
A line-by-line refund estimate from the current tax-year tables — labelled ESTIMATE, always.
Open →Unclaimed Refund Finder
Refunds the IRS is still holding for people who never filed — with live claim countdowns.
Open →Scam Shield
A call, text, or letter claiming to be the IRS? Check it before you fear it or pay it.
Open →Unfiled Years Factory
Missed a year — or ten? Build a compliance plan and a print & mail packet for every back year.
Open →Tax Passport
Your private document vault: W-2s, transcripts, and the Home File that proves your basis decades later.
Open →03 — The difference
What makes Niptei Tax different
| Compare honestly | Niptei Tax | Typical filing apps | Typical storefront chains |
|---|---|---|---|
| In your life | All year — one account, for life | January–April, then forgotten until next season | Mostly at tax time, in an office |
| Free tools | Every tool free for 100% of visitors | Free filing only for “simple” returns — their own pages say roughly 37–52% of filers qualify | Free tiers are narrow; the upsell happens in the chair |
| IRS letters decoded | Explained in English, Español & Kreyòl — with the real deadline computed | English-first help articles | Bring the letter in and wait |
| Back taxes | 2016–today: guided prep plus print & mail packets | Current year; last year if you are lucky | Varies by office and by year |
| Pricing | Shown before you start. Beta tools are free — no checkout surprises, ever | The real price often appears at checkout | Quoted in the office, sometimes after the work |
| Your preparer | Vetted pros own their storefront, their prices, and their clients | Seasonal hires; the platform owns the client | The chain owns the client relationship |
| Every number | Traced to an IRS source, with a public corrections log | Trust the marketing | Trust the marketing |
| IRS forms, explained | 42 forms in plain language, each with a top-error guide | Forms appear at checkout, unexplained | Bring your papers in and ask |
| Guided print-and-mail | Any year — 2016 to today, back years and amendments | Current year only | Varies by office |
“Typical” columns describe the market generally, in our own words — no competitor names, marks, or endorsements are used or implied. The free-filing eligibility range (roughly 37–52% of filers) is as published on the competitors’ own product pages, November 2026. If we ever get a row wrong, it goes in our public corrections log on the News page — that is the point of the last row.
04 — Know the risks
File anywhere else? Know the risks.
Wherever you file, the signature on the return is yours — and so is everything that follows from it. Four risks hide in most filing choices. They are not scare tactics; they are lessons from our teaching series, free for anyone to read.
The preparer who won’t sign
A “ghost” preparer charges cash, skips the PTIN signature, inflates the refund, and vanishes. The IRS holds the taxpayer responsible for every number on the return — signer or no signer.
Lesson #74 →No second look
File once and never re-check, and missed credits stay missed. About 1 in 5 people who qualify for the Earned Income Credit never claim it — and nobody goes back for them before the 3-year window closes.
Get a Second Look →The “instant refund”
An advance is a loan, repaid out of your refund. In the big storefront chains’ own published terms, that loan can run up to about 36% APR. Fast money is borrowed money.
Lesson #75 →No source trail
A number you cannot trace to a source is a number you cannot defend in an audit. If a deduction isn’t documented, the IRS does not have to believe it happened.
Lesson #25 →The Niptei Tax counter-proof
- Every number traced to an IRS source — cited on the page, not buried in a brochure.
- A public corrections log — when we get something wrong, the fix is published, not whispered.
- Vetted pros who sign their work — credential and PTIN verified, and the signature is on your return.
- Your data exports with you — no lock-in, ever.
05 — Ways to work
Three ways to work — pick your level of help
Do It Yourself
Free in beta
- Guided tools, playbooks, and the Deadline Radar
- Your cases and Tax Passport, in your language
- Print & mail packets work today, back to 2016
DIY + Pro Review
Founding pricing announced to the beta list first
- You prepare; a vetted pro checks, signs, and stands behind the review
- Credential and background verified — badge you can check
- Fixed price shown before anyone starts
Full Service
Founding pricing announced to the beta list first
- A vetted pro handles everything, in-platform
- Notices, back years, and business filings
- You always keep copies of everything filed
06 — Learn first
Learn before you file — the Four Academies
Consumer Academy
Notices, credits, refunds, and family taxes — in your language.
Enter the Academies →Pro Academy
For preparers and accountants: update briefings and client-spotting checklists.
Enter the Academies →Community Academy
For nonprofits, churches, employers, and first-time and immigrant filers.
Enter the Academies →Hire Your Kids
The legal way to pay your children in your business — the wage ceiling, the entity rules that decide whether payroll tax applies, and the 7-step hiring kit.
Read the playbook →Sending Money Home
What the IRS actually says about money sent to family abroad — what is a myth, what is reportable, and the 2026 funding rule that saves real money.
Read the playbook →Custody & Credits
Who claims the child when parents live apart — the custodial-parent default, Form 8332, and which credits can and cannot move.
Read the playbook →Real or Myth? The Verified Money List
Every money claim checked against an IRS source and tagged REAL CREDIT, REAL DEDUCTION, DEPENDS, or MYTH — including the two most expensive myths we hear.
Check the list →The Painful Lessons
111 lessons taxpayers usually learn the expensive way — each with the rule behind it and what to do instead. Searchable, in twelve categories.
Read the lessons →Preparers: own your storefront
On the big platforms, preparers are seasonal labor and the client belongs to the platform. Here, verified pros own their storefront, publish fixed prices, and keep their clients. Vetting mirrors IRS suitability — identity, PTIN, credential, background, discipline.
See how Pros & Trust works →Churches, nonprofits, libraries, employers
Embed the free EITC, Missing-Credit, and Unclaimed-Refund finders on your own website — in your community’s language. The embed collects nothing for Niptei Tax unless a visitor chooses to continue. Review before activation; attribution reads “Powered by Niptei Tax.”
Preview the embed program →Built for one preparer — and for ten thousand employees
The same verified engine serves a solo preparer, a congregation, and a multi-entity organization. Enterprise and platform teams can join the design partner list and shape the API as it is built — interest first, honest timelines, no vapourware.
Talk to us about enterprise adoption →07 — Good questions
Straight answers
Is Niptei Tax the IRS?
No. Niptei Tax is an independent company. We explain IRS rules in plain language, and we never claim IRS endorsement.
Can you e-file my return today?
Not yet. Our e-file provider application (EFIN) is in IRS review, and e-file opens only after IRS testing passes. Paper print-and-mail packets work today — including back years to 2016.
What does it cost?
The beta tools are free. Founding pricing will be announced to the beta list before any charge exists, and your price is always shown before you start — no checkout surprises.
Is my data safe?
We never store a full Social Security number. Documents live in a private vault, and your information is used only with your signed §7216 consent.
¿Hablan español?
Sí. Use el selector de idioma arriba — la plataforma, los avisos decodificados y las guías están en español.
Èske nou pale Kreyòl?
Wi. Sèvi ak selektè lang anwo a — platfòm nan, avi IRS yo dekode, ak gid yo an Kreyòl ayisyen.