Inspiration

Many Canadians, especially newcomers and low-income families, struggle to know which government benefits they are eligible for. Filling out forms is confusing and time-consuming. I wanted to create a simple AI-powered tool that instantly checks eligibility and explains it in human-friendly language.

What it does

The Canadian Tax & Benefits AI Eligibility Checker allows users to input details like age, income, province, marital status, number of kids, disability, and newcomer status. The app:

Calculates eligibility for benefits like GST/HST, Canada Child Benefit, Canada Workers Benefit, Disability Tax Credit, OAS, and Climate Action Incentive

Provides a human-readable AI summary explaining why users qualify or not

Uses OpenRouter gpt-4o-mini as primary AI, with LM Studio fallback

How we built it

Next.js for frontend and backend

OpenRouter API for AI-generated explanations

LM Studio as fallback AI

JSON-based rule engine to encode Canadian benefit rules

Fully deployable on Vercel with /api/check route

Challenges we ran into

OpenRouter API rate limits and key authorization issues → fallback to LM Studio

Multiple benefits with different rules and exceptions → built structured JSON rule engine

Integrating AI responses with Next.js backend in real-time

Accomplishments that we're proud of

Created a fully functional hackathon-ready app in under a week

AI summaries are clear, accurate, and human-readable

Integrated primary + fallback AI seamlessly

JSON rule engine makes it easy to extend for future benefits

What we learned

How to combine multiple AI models in a single workflow

Building JSON-driven business logic for real-world use

Importance of fast deployment and user-friendly design

Handling API failures and fallbacks efficiently

What's next for Canadian Tax & Benefits AI Eligibility Checker

Add more detailed benefit calculations and regional variations

Deploy mobile-friendly version

Improve AI explanation with multi-language support

Explore automation for filing simple claims directly from the app

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