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Open Source

Financial planning engine for AI agents.

Embedded federal reference data with provenance plus deterministic tax, retirement, and estate calculations — local by default, sub-ms, JSON-in/JSON-out.

curl -fsSL https://get.entropyfa.com | sh
Read the Docs View on GitHub

See it in action

entropyfa 
# What data is available?
$ entropyfa data coverage
{"data":{"count":18,"entries":[{"category":"tax","key":"federal_income_tax_brackets",...},...]},"ok":true}

# Look up 2026 federal income tax brackets with provenance
$ entropyfa data lookup --category tax --key federal_income_tax_brackets --year 2026 --filing-status single
{"data":{"verification_status":"authoritative","pipeline_reviewed":true,"sources":[{"authority":"Internal Revenue Service","url":"https://www.irs.gov/pub/irs-drop/rp-25-32.pdf"}],"value":[{"rate":0.10,"min":0,"max":12400},...] },"ok":true}

# Optionally POST the same envelope to a webhook
$ entropyfa --result-hook-url https://example.com/hook data lookup --category tax --key federal_income_tax_brackets --year 2026 --filing-status single

# Compute federal tax
$ entropyfa compute federal-tax --json '{"filing_status":"single","income":{"wages":150000}}'
{"data":{"total_tax":36209,"effective_rate":0.1649,"marginal_ordinary_rate":0.24,...},"ok":true}

# What does this command need?
$ entropyfa compute roth-conversion --schema
{"data":{"command":"roth-conversion","gather_from_user":{"required":[...]},...},"ok":true}

Scroll horizontally to see full output

Why We Built This

The world is moving to agents. Personal finance will too. But financial planning agents need two things they can't do well on their own:

Verified data — rates, limits, rules, and tables that change annually. Must come from primary publications, not hallucinated.

Deterministic math — tax bracket stacking, actuarial calculations, Monte Carlo simulations, portfolio management. Same input, same output, every time.

entropyfa bundles both into a single binary with zero configuration.

Embedded Data With Provenance

Reference data is compiled into the binary and returned with verification status plus source URLs by default. The current public release ships 18 authoritative, pipeline-reviewed entries, including the federal SALT deduction cap and phaseout parameters, so federal tax tables, Medicare IRMAA, and other planning inputs stay local and auditable.

Sub-ms Deterministic

Pure computation with zero I/O. Same input always produces the same output. Agents can reason about results with confidence.

Zero Config / Single Binary

One curl command to install into ~/.entropyfa/bin with no sudo by default. No API keys, no config files, and no outbound calls unless you explicitly use upgrade or result hooks.

Agent-Native

--schema on every command tells agents what to gather. JSON-in/JSON-out. Works with OpenClaw, Claude, GPT, LangChain, or plain shell.

What's Inside

Data

  • • Federal income tax brackets
  • • Federal standard deductions
  • • Federal SALT deduction parameters
  • • Federal capital gains brackets
  • • Federal estate exemption & brackets
  • • Federal NIIT thresholds
  • • Federal payroll tax parameters
  • • Federal QBI deduction parameters
  • • RMD tables (Uniform, Single, Joint Life)
  • • Medicare IRMAA brackets with spouse-living-status support for MFS
  • • SS taxation thresholds
  • • 417(e) mortality tables

Compute

  • federal-tax — Federal income + payroll taxes with SALT-aware itemized deductions
  • estate-tax — Federal estate tax (Form 706)
  • rmd — Required minimum distribution
  • rmd-schedule — Multi-year RMD projection
  • roth-conversion — Conversion tax impact
  • roth-conversion-strategy — Multi-year strategy
  • pension-comparison — Lump sum vs annuity
  • projection — Monte Carlo / linear projection
  • goal-solver — Binary search goal solver

Designed for Agents

entropyfa is built as a tool for AI agents doing financial planning.

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--schema on every command — agents read the schema to know what inputs to gather

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data coverage — agents discover available reference data without hardcoding

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JSON-in/JSON-out — structured I/O that agents parse natively

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Deterministic — same input always produces the same output

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No configuration — install and go, no API keys, no config files

Official OpenClaw Skill

entropyFA Financial Planning installs into your current OpenClaw workspace with clawhub install entropyfa. It brings verified financial planning data and blazing-fast, deterministic calculators for Monte Carlo projection, goal solving, Roth conversions, RMDs, income tax, estate tax, and pension analysis into OpenClaw.

Works with OpenClaw, Claude tool use, OpenAI function calling, LangChain, or plain shell exec.