For anyone who wants to take control of their financial future.
Your entire financial life.
Computed from first principles.
Where is it going? and What should I do? Both answered — from tax law and your own numbers. No forecasts.
See your real tax rate
Your full 1040 computed line by line, federal and state. Bracket tables stop at the bracket — this adds FICA, IRMAA, ACA credits, and every phase-out you cross, then measures the rate on your next dollar.
Tax calculator →RetirementPlan the rest of your life
Savings order across 401(k), IRA, HSA and brokerage. Roth conversions in the gap years. When to claim Social Security. Which account to draw down first. Solved together, because they depend on each other.
Retirement planner →Free. No account. No card. Your own numbers, not a sample.
Encrypted at rest. Identity pseudonymized. No trackers, ads, or data sales. See how →
Two questions. Both answered.
Unbiased, conflict-free clarity — computed from the tax code and your own numbers. Free to all.
Where is my money going?
Financial statements that balance to the penny. Income, spending, taxes, and investment returns — decomposed, categorized, and reconciled. Not an approximation. The actual answer.
What should I do?
Tax-optimized savings. Roth conversion strategy. Social Security claiming ages. Withdrawal sequencing. The interactions are too complex to solve by hand. The engine solves them in 2 seconds.
You are not the product. Torv is.
Torv makes money one way: subscriptions. No ads. No data sales. No commissions or referral fees. Torv doesn’t pick your investments. Whatever the math says, it makes the same. And nobody’s going to call you — Torv doesn’t have your number.
Every page teaches something
This isn’t a dashboard. It’s a curriculum. Each page exists because it changed how someone thinks about their money.
Your real marginal rate swings from negative 60% to >100%
The tax code is infinitely complex and hardly anyone understands how it truly works. Federal brackets, FICA, state taxes, EITC, ACA subsidies, IRMAA cliffs, the SS torpedo — they all stack. Torv computes every layer, line by line, in all 50 states. It’s free. No login, no paywall.
See your real rateSmall fees can destroy 50%+ of your future wealth
Your brain has no intuition for how destructive a “small” 1–2%/yr fee is over a lifetime — costs compound against you exactly the way returns compound for you. At $50K/yr of savings, a 2% drag is the difference between retiring at 50 and retiring at 60. Torv computes your blended fee drag across everything you actually hold, so it’s a number, not a vibe.
“Do not allow the tyranny of compounding costs to overwhelm the magic of compounding returns.” — John Bogle, Vanguard founder and index fund pioneer
You earned it. Where did it all go?
Every dollar you earned, decomposed into taxes, living expenses, and what you actually kept. Year by year. The answer is usually humbling — and motivating.
Stop guessing which accounts to fund first
401k to maximize employer match, HSA, Roth or Traditional, mega backdoor, taxable — the optimal order depends on your marginal rate, employer match, and timeline. The engine computes your personal waterfall.
Your full 1040, computed line by line
Federal income, adjustments, deductions, tax computation, payments, refund or amount owed — plus your state return. Every line sourced, every number explained.
I spent ten years building the financial system I wanted to exist.
I’m a finance PhD and professor. For the last ten years I’ve kept real double-entry financial statements for my family — every transaction categorized, every month reconciled to the penny. That discipline, plus boring index funds, is the entire strategy — on a professor’s salary, with five kids.
The hard part was never discipline. It’s that the math is circular: Roth vs. Traditional depends on your marginal rate across several interacting tax systems. Social Security claiming depends on your withdrawal sequence, which depends on your conversion strategy. Rules of thumb can’t solve a loop like that — software can. So I built the optimizer I wanted, and I’m giving it away for free.
The subscription covers the bookkeeping: synced accounts, statements that reconcile to $0, categorization, spending analysis. No investors to satisfy.
The only growth plan is being worth $59.99 to you, every year.
Where Torv fits
Budgeting apps are excellent at tracking. Torv adds the planning math — and statements that reconcile.
| Feature | Budgeting Apps* | Torv Free | Torv $59.99/yr |
|---|---|---|---|
| Lifetime projection with zero market predictions | — | ✓ | ✓ |
| Savings & withdrawal sequencing | — | ✓ | ✓ |
| Roth conversion strategy | — | ✓ | ✓ |
| Tax trap detection (IRMAA, ACA, SS torpedo) | — | ✓ | ✓ |
| Social Security optimization | — | ✓ | ✓ |
| 1040 tax breakdown (federal + state, line by line) | — | ✓ | ✓ |
| Financial statements that reconcile to $0 | — | — | ✓ |
| Bank & investment account syncing | ✓ | — | ✓ |
| Automatic transaction categorization | ✓ | — | ✓ |
| Spending analysis + trends | ✓ | — | ✓ |
| Recurring charges & price-hike alerts | ? | — | ✓ |
| Cash flow forecasting | — | — | ✓ |
| Price | $109–200/yr | free | $59.99/yr |
Show footnotes
* Budgeting Apps includes Monarch Money, YNAB, Copilot Money, and similar personal finance trackers. They excel at spending tracking and categorization but offer no retirement planning, tax optimization, or withdrawal strategy capabilities. Recurring charge detection varies by app.
Price range as published by each vendor in July 2026: YNAB $109/yr, Monarch Money up to $200/yr for its top tier. Some apps offer cheaper entry tiers with fewer features. Torv’s $59.99/yr is one price — there is no higher tier.
This is how Torv stores your data.
Most financial apps say “bank-level encryption” and show a lock icon. Here’s a representative sample of what Torv stores.
| user_id | account_name | institution | balance |
|---|---|---|---|
| a1b2c3d4e5...7d6c | enc:3a7f1b:c9e2d4:8b1f... | enc:7d4e2a:f1b3c5:2e9a... | $47,832.19 |
| a1b2c3d4e5...7d6c | enc:5c8d2e:a4f1b7:6d3e... | enc:9b2f4a:d7e3c1:4a8f... | $312,457.83 |
Questions the engine answers
“Should I do Roth or Traditional?”
It depends on your tax rate now vs. later. Most tools get this wrong because they don’t compute your actual marginal rate across all brackets, FICA, state taxes, and phase-outs. The engine does.
“When should I claim Social Security?”
It’s not just about break-even age. It interacts with your withdrawal strategy, tax brackets, IRMAA surcharges, and your spouse’s survivor benefit. The optimizer evaluates all of it simultaneously.
“Am I saving enough? In the right accounts?”
Rules of thumb like “save 15%” ignore your tax situation, existing balances, employer match, and timeline. The engine computes exactly how much, in which accounts, in what order. See your waterfall.
“Can I afford to retire at 55?”
Healthcare before Medicare is usually the hard part. ACA premium subsidies depend on the MAGI your withdrawals create — cross a cliff and it costs thousands. The engine plans the bridge years. See it in the demo.
Explore with sample data. No login required.
Simple, honest pricing
Every tool is free. No login required. Pay when you want your data saved and accounts synced.
- Tax calculator (50 states + DC)
- Retirement savings & withdrawal optimizer
- Social Security claiming strategy
- Where to save next (401k → IRA → HSA → taxable)
- Financial projection over entire life
- Roth conversion, IRMAA, RMD, capital gains
- 52 calculators, all free
- Link your accounts — banks, brokerages, loans
- Income statement, balance sheet, cash flow — to the penny
- Categorize once, automated forever
- Every hidden investment fee, exposed
- Every recurring charge and price hike, caught
- Net worth history across all accounts
- Cash flow — where it went, where it's going
One price, billed yearly. Couples share a household on a single subscription.
Ready to see your numbers?
Explore the whole app with sample data. Sign up when you want your own numbers saved and your accounts synced.