Installation

Quick Install (macOS / Linux)

curl -fsSL https://get.entropyfa.com | sh

Cargo

cargo install --git https://github.com/Entropy-Financial-Technologies/entropyfa-cli.git entropyfa

From Source

git clone https://github.com/Entropy-Financial-Technologies/entropyfa-cli.git
cd entropyfa-cli
cargo build --release
cp target/release/entropyfa /usr/local/bin/

Upgrade

entropyfa upgrade

Checks GitHub for the latest release, downloads the new binary, and replaces the current executable. The CLI also checks for updates in the background.

Quick Start

30-Second Demo

1. Discover what data is available:

entropyfa data coverage

2. Look up 2026 tax brackets for single filers:

entropyfa data lookup --category tax --key brackets --filing-status single

3. Compute federal tax on $150k wages:

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}

4. Get the schema for any compute command:

entropyfa compute roth-conversion --schema

5. Run a Roth conversion analysis:

entropyfa compute roth-conversion --json '{"filing_status":"married_filing_jointly","income":{"wages":200000},"traditional_ira_balance":500000,"conversion_amount":50000}'

6. Run a Monte Carlo retirement projection:

entropyfa compute projection --json '{"starting_balance":1000000,"time_horizon_months":360,"return_assumption":{"annual_mean":0.07,"annual_std_dev":0.15},"cash_flows":[{"amount":-4000,"frequency":"monthly"}]}'

Commands Reference

data coverage

Discover all available reference data embedded in the binary. Returns categories, keys, available years, required parameters, and related topics.

Usage

entropyfa data coverage

Example Output

{
  "data": {
    "count": 17,
    "entries": [
      { "category": "tax", "key": "brackets", "years": [2026], "parameters": ["filing_status"] },
      { "category": "tax", "key": "standard_deductions", "years": [2026], "parameters": ["filing_status"] },
      ...
    ]
  },
  "ok": true
}

data lookup

Look up specific reference data by category, key, year, and filing status.

Usage

entropyfa data lookup [OPTIONS]

Flags

Flag	Description	Required
--category	Data category (tax, retirement, etc.)	Yes
--key	Data key within category	Yes
--filing-status	Filing status filter	When applicable
--year	Tax year (defaults to latest)	No

Example

entropyfa data lookup --category tax --key brackets --filing-status single

{"data":[{"rate":0.10,"min":0,"max":12400},{"rate":0.12,"min":12400,"max":50400},...],ok":true}

Use the global --result-hook-url flag to POST the same JSON envelope to a webhook endpoint.

compute federal-tax

Compute federal income + payroll taxes for a given filing status and income breakdown.

Usage

entropyfa compute federal-tax --json '<JSON>'

When to Use

When a user asks about their federal tax liability, effective tax rate, marginal rate, or wants to understand how income is taxed across brackets.

Schema (What to Gather)

Field	Description	Required
filing_status	single, married_filing_jointly, married_filing_separately, head_of_household	Yes
income.wages	W-2 wages	At least one income field
income.qualified_dividends	Qualified dividend income	No
income.capital_gains	Long-term capital gains	No
income.ira_distributions	Traditional IRA distributions	No
income.pensions	Pension income	No
income.social_security	Social Security benefits	No
income.self_employment	Self-employment income	No
adjustments	HSA, IRA, student loan interest	No
deductions	Deduction method (standard or itemized)	No

Example

entropyfa compute federal-tax --json '{"filing_status":"single","income":{"wages":150000}}'

{
  "data": {
    "gross_income": 150000,
    "agi": 150000,
    "taxable_income": 133900,
    "ordinary_income_tax": 24734,
    "payroll_tax": { "total": 11475 },
    "total_tax": 36209,
    "effective_rate": 0.1649,
    "marginal_ordinary_rate": 0.24
  },
  "ok": true
}

compute estate-tax

Compute federal estate tax (Form 706) given a gross estate value.

Usage

entropyfa compute estate-tax --json '<JSON>'

When to Use

When a user asks about estate tax liability, exemption usage, or estate planning. Includes portability (DSUE) analysis.

Schema

Field	Description	Required
gross_estate	Total gross estate value	Yes
deductions.marital	Marital deduction	No
deductions.charitable	Charitable deduction	No
deductions.debts	Debts and expenses	No
adjusted_taxable_gifts	Lifetime taxable gifts	No
gift_tax_paid	Gift tax previously paid	No
deceased_spouse_unused_exclusion	DSUE amount (portability)	No

Example

entropyfa compute estate-tax --json '{"gross_estate":20000000,"deductions":{"marital":5000000}}'

{
  "data": {
    "gross_estate": 20000000,
    "taxable_estate": 15000000,
    "exemption_amount": 15000000,
    "net_estate_tax": 0,
    "effective_rate": 0,
    "marginal_rate": 0.4
  },
  "ok": true
}

Related: federal-tax

compute rmd

Calculate the Required Minimum Distribution for a single year. Handles owner-lifetime, inherited IRA, spouse beneficiary, and SECURE Act scenarios.

Usage

entropyfa compute rmd --json '<JSON>'

Schema

Field	Description	Required
calculation_year	Year to calculate RMD for	Yes
prior_year_end_balance	Account balance at end of prior year	Yes
account_type	traditional_ira, 401k, inherited_ira, etc.	Yes
owner_birth_date	Account owner's birth date	Yes
spouse_birth_date	Spouse's birth date	No
spouse_is_sole_beneficiary	Whether spouse is sole beneficiary	No

Related: rmd-schedule, roth-conversion

compute rmd-schedule

Project multi-year RMD schedule with balance depletion over time.

Usage

entropyfa compute rmd-schedule --json '<JSON>'

Related: rmd, roth-conversion-strategy

compute roth-conversion

Analyze the tax impact of a single-year Roth conversion.

Usage

entropyfa compute roth-conversion --json '<JSON>'

compute roth-conversion-strategy

Multi-year Roth conversion strategy with projected balances and RMD comparison.

Usage

entropyfa compute roth-conversion-strategy --json '<JSON>'

Related: roth-conversion, rmd, rmd-schedule

compute pension-comparison

Compare pension lump sum vs annuity options with tax impact, present value, and Monte Carlo analysis.

Usage

entropyfa compute pension-comparison --json '<JSON>'

Related: federal-tax, projection

compute projection

Run Monte Carlo or linear projection of portfolio balance over time. By default the CLI returns both Monte Carlo and linear JSON results, and renders a terminal dashboard to stderr when Monte Carlo output is present.

Usage

entropyfa compute projection --json '<JSON>'

entropyfa --result-hook-url https://example.com/hook compute projection --json '<JSON>'

Delivery: the CLI always writes the JSON envelope to stdout and, if --result-hook-url is set, also POSTs the same envelope as application/json.

compute goal-solver

Binary search solver to find the value of a variable that achieves a target metric.

Usage

entropyfa compute goal-solver --json '<JSON>'

Related: projection

Embedded Data Sources

All data is sourced from IRS publications and embedded at compile time. Use entropyfa data coverage to discover available data and entropyfa data lookup to retrieve specific values.

Category	Key	Description	Parameters	Years
tax	brackets	Federal income tax brackets by filing status	filing_status	2026
tax	standard_deductions	Standard deduction amounts by filing status	filing_status	2026
tax	capital_gains_brackets	Long-term capital gains tax brackets	filing_status	2026
tax	niit	Net investment income tax rate and thresholds	filing_status	2026
tax	payroll	Social Security, Medicare, and SE tax rates	filing_status	2026
tax	capital_loss_limit	Annual capital loss deduction limit	filing_status	2026
tax	qbi_deduction	Qualified Business Income (Section 199A) deduction	filing_status	2026
tax	estate_exemption	Federal estate tax exemption amount	—	2026
tax	estate_brackets	Federal estate tax brackets	—	2026
tax	estate_applicable_credit	Applicable credit amount against estate tax	—	2026
retirement	uniform_lifetime_table	IRS Uniform Lifetime Table (Table III) for RMDs	—	2026
retirement	single_life_table	IRS Single Life Expectancy Table (Table I)	—	2026
retirement	joint_life_table	IRS Joint Life and Last Survivor Table (Table II)	—	2026
retirement	distribution_rules	RMD distribution rules (SECURE Act / SECURE 2.0)	—	2026
social_security	taxation_thresholds	SS benefit taxation thresholds	filing_status	2026
insurance	irmaa_brackets	Medicare IRMAA surcharge brackets	filing_status	2026
pension	mortality_417e	Section 417(e) mortality table for pension lump sums	—	2026

Agent Integration

entropyfa is designed as a tool for AI agents doing financial planning. Here's how to integrate it.

The --schema Workflow

Agent calls entropyfa compute <command> --schema to learn what inputs are needed
Agent gathers required information from the user
Agent constructs JSON input and calls the command
Agent parses JSON output and reasons about results

Design Principles for Agents

--schema

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

data coverage

agents discover what reference data is available without hardcoding keys

JSON-in/JSON-out

structured I/O that agents parse natively

Deterministic

same input always produces the same output

No configuration

install and go, no API keys, no config files, and no outbound calls unless you explicitly use upgrade or result hooks

Architecture

Data Flow

--json '<JSON>' / flags  →  entropyfa CLI  →  entropyfa-engine  →  stdout (JSON)
                                                   \
                                                    →  optional webhook POST

Key Properties

Local by default

All reference data is compiled into the binary; outbound calls are opt-in

Sub-millisecond

Pure computation, no I/O overhead

Single binary

No runtime dependencies

Monthly releases

Updated when IRS publishes new data

Workspace Structure

Crate	Purpose
engine	Embedded IRS reference data + computation logic (usable as a Rust library)
cli	CLI that accepts JSON via --json flag, writes JSON to stdout, and can optionally POST result envelopes

Releases

entropyFA follows a monthly release cadence, updated when the IRS publishes new data. Each release embeds the latest verified data.

GitHub Releases: github.com/Entropy-Financial-Technologies/entropyfa-cli/releases

Upgrade: entropyfa upgrade