Drop in the K-1s, 1099s, brokerage composites, and the trust instrument. form1041.ai computes DNI, the distribution deduction, and the full tier-system allocation — then generates the 1041, every beneficiary K-1, and your state fiduciary returns. A CPA/EA reviews and signs. We never auto-file.
Form 1041 work is high-stakes, deadline-driven, and slow. Firms either wait weeks on an outside CPA at $2,500–5,000 a return, or grind it in-house and bleed billable hours. It's repetitive, rules-based, and document-driven — the perfect shape for automation, with a licensed professional keeping the signature.
Click Run to walk a sample estate through the engine, end to end.
| Beneficiary | Ordinary income | Qualified div | Net LT cap gain | Total K-1 |
|---|---|---|---|---|
| A. Harding (1st tier) | $18,400 | $9,600 | $0 | $28,000 |
| B. Harding (1st tier) | $18,400 | $9,600 | $0 | $28,000 |
| C. Harding (2nd tier) | $10,520 | $5,480 | $0 | $16,000 |
| Distributed to beneficiaries | $47,320 | $24,680 | $0 | $72,000 |
All figures above are illustrative placeholder data for a fictional trust — not a real return.
Anyone can OCR a K-1. Almost no one gets the allocation logic right across simple vs. complex trusts and 40+ state regimes — then puts a licensed signature behind it.
The actual tax brain — tier system, capital-gains allocation, simple vs. complex, Schedule B. Rock-solid and reconciled against your own as-filed returns.
40+ states, each one different — where incumbents are weakest. We start with our own states and expand return by return.
An EFIN and authorized-provider status is a real regulatory gate — and a real barrier to copycats. A CPA/EA signs every return.
Service-led to start — we prep the return, the AI does ~90%, a CPA signs. Sell outcomes, not software. As volume grows, seat-and-volume tiers for firms doing 50–500 returns a year. B2B only: estate & trust firms, family offices, and small CPA shops.
Below a traditional firm's $2,500–5,000 for a complex fiduciary return — delivered in minutes, not weeks.
For firms running 50–500 fiduciary returns annually.
We validate on our own multi-state firm's estate matters before selling a single seat.
DNI/allocation engine + Form 1041 + K-1 generation, validated against 10–20 of our own as-filed returns (the golden set).
PA + NJ state fiduciary returns bolt on top of the federal core.
We prep, the AI does ~90%, a CPA signs. Sell outcomes — funds the build.
2–3 outside firms run real returns through the engine.
Full self-service platform with EFIN e-file.
We're onboarding a small set of estate & trust firms as early design partners. If that's you, let's talk.