ReguCalc

Real-time multi-state payroll calculator with compliance checks.

Score: 7.7/10MAMedium BuildReady to Spawn
Brand Colors

The Opportunity

Problem

Small business owners struggle to comply with complex, varying state regulations for payroll and taxes due to the lack of simple automated tools.

Solution

ReguCalc computes net pay, withholdings, and taxes per employee across states instantly, flagging compliance issues like minimum wage violations. It updates rules automatically from official sources and simulates pay runs before finalizing. Owners get peace of mind with error-free payroll every time.

Target Audience

Small business owners managing payroll and taxes in-house across multiple states

Differentiator

Live rule updates and violation scanner, preventing fines – competitors require manual checks.

Brand Voice

friendly

Features

Employee Payroll Setup

must-have10h

Add employees with state, salary, exemptions.

Pay Run Calculator

must-have25h

Input hours/overtime; compute gross/net/taxes per state rules.

Compliance Scanner

must-have20h

Flag issues like overtime miscalc or filing thresholds.

Rule Updater

must-have15h

Auto-fetch latest state min wage, tax rates weekly.

Pay Stub Generator

must-have12h

Create customizable, state-compliant pay stubs.

Scenario Simulator

nice-to-have10h

Test 'what-if' changes like raises or state moves.

Export to QuickBooks

nice-to-have12h

Sync payroll data to accounting software.

Mobile Pay Review

nice-to-have8h

Approve pay runs on phone.

Total Build Time: 112 hours

Database Schema

users

ColumnTypeNullable
iduuidNo
emailtextNo

businesses

ColumnTypeNullable
iduuidNo
user_iduuidNo
nametextNo

Relationships:

  • β€’ user_id -> users.id

employees

ColumnTypeNullable
iduuidNo
business_iduuidNo
statetextNo
hourly_rateintNo

Relationships:

  • β€’ business_id -> businesses.id

pay_runs

ColumnTypeNullable
iduuidNo
business_iduuidNo
period_starttimestampNo
compliantboolNo

Relationships:

  • β€’ business_id -> businesses.id

API Endpoints

POST
/api/employees

Create employee

πŸ”’ Auth Required
POST
/api/calculate

Run payroll calc and compliance check

πŸ”’ Auth Required
GET
/api/states/rules

Fetch latest state rules

POST
/api/pay_runs

Save pay run

πŸ”’ Auth Required

Tech Stack

Frontend
Next.js 14 + shadcn/ui + Tailwind
Backend
Next.js API routes
Database
Supabase Postgres
Auth
Supabase Auth
Payments
Stripe
Hosting
Vercel
Additional Tools
Cron for rule updates

Build Timeline

Week 1: Setup and employee mgmt

35h
  • βœ“ Auth
  • βœ“ Business/emp CRUD

Week 2: Calculator core

45h
  • βœ“ Pay calc logic
  • βœ“ State rules DB

Week 3: Compliance and stubs

40h
  • βœ“ Scanner
  • βœ“ Stub gen

Week 4: Updater and polish

35h
  • βœ“ Rule cron
  • βœ“ Exports

Week 5: UI/landing

25h
  • βœ“ Mobile responsive
  • βœ“ LP

Week 6: Testing/nice-to-haves

20h
  • βœ“ Simulator
Total Timeline: 6 weeks β€’ 200 hours

Pricing Tiers

Free

$0/mo

No stubs

  • βœ“1 state
  • βœ“10 employees
  • βœ“Basic calc

Pro

$35/mo
  • βœ“Unlimited states/emps
  • βœ“Compliance scan
  • βœ“Stubs

Enterprise

$99/mo
  • βœ“API
  • βœ“Custom rules
  • βœ“Support

Revenue Projections

MonthUsersConversionMRRARR
Month 1802.5%$70$840
Month 67005.5%$1,350$16,200

Unit Economics

$40
CAC
$550
LTV
5%
Churn
90%
Margin
LTV:CAC Ratio: 13.8xExcellent!

Landing Page Copy

Calculate Payroll Right Across States – No Fines

Instant compliance checks and accurate payslips for your multi-state team.

Feature Highlights

βœ“Live state rule updates
βœ“Violation alerts
βœ“Pay stub exports
βœ“What-if simulations

Social Proof (Placeholders)

"Caught a wage error before payday! - Sarah, Retail Chain"
"Super easy for our remote team. - Alex, Agency"

First Three Customers

Share calculator demo video in r/payroll and small biz Facebook groups. Email 15 owners from Clutch.co listings for multi-state firms. Free access for case studies.

Launch Channels

Product Huntr/payrollr/smallbusinessHacker News

SEO Keywords

multi state payroll calculatorstate payroll compliance checkerpayroll tax calculator by state

Competitive Analysis

$45+/mo + $5/emp
Strength

Integrated accounting

Weakness

Weak multi-state scanner

Our Advantage

Real-time compliance focus

$39+/base + per emp
Strength

Enterprise scale

Weakness

Too complex for SMB

Our Advantage

Simple calc + alerts

🏰 Moat Strategy

Curated state rules dataset with ML-predicted changes.

⏰ Why Now?

State laws changing frequently (e.g., wage hikes in 20+ states 2024); AI enables accurate automation.

Risks & Mitigation

technicalhigh severity

Rule update inaccuracies

Mitigation

Manual review + user reports

executionlow severity

Slow cron jobs overload

Mitigation

Supabase edge functions

Validation Roadmap

pre-build5 days

Survey 15 owners on state pains

Success: 80% need calc tool

mvp21 days

Beta with 5 states

Success: 5 users, 90% accuracy

Pivot Options

  • β†’Add full payroll processing
  • β†’B2B for HR firms
  • β†’Federal tax focus

Quick Stats

Build Time
200h
Target MRR (6 mo)
$1,500
Market Size
$4500.0M
Features
8
Database Tables
4
API Endpoints
4