Financial statements for your household, a 50-state tax engine and a lifetime retirement optimizer, built by a finance professor. You are not the product — Torv is.
Your full 1040, federal and state, line by line — every surcharge, credit and phase-out included, measured on your next dollar.
Tax calculator →RetirementSavings 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.
The same work a CFO does for a company: keep the books, know the tax cost of every decision, and plan for retirement.
Statements
Link your banks, cards, brokerages and loans, and Torv keeps your books. Most apps add up your transactions and stop. Torv checks its work: every month, what you earned, spent and gained has to explain the change in your actual balances. If a dollar is missing, Torv tells you.
Taxes
Your tax return, running all year. Torv builds it from your real paychecks, interest and dividends, so you see what you owe before April and what your next dollar really costs.
Retirement
Roth or Traditional depends on your tax rate later. That rate depends on when you claim Social Security and which accounts you draw down first, and those depend on the Roth conversions you made. Torv solves all of it together, every year to the end of the plan, with no market predictions.
Returns measured against a passive benchmark. Gains are worked out from your balances and the money you moved in and out, never taken from a quoted number.
Your cash balance projected forward from the paychecks and bills ahead of you.
Where your income went, in one picture: taxes, spending and savings.
Net worth over time, split by tax treatment: tax-deferred, taxable, tax-free and home equity.
Upload a pay stub. Torv breaks it into taxes, insurance, retirement and employer match.
Plus every transaction in one list, filed automatically, with Torv asking only about the few it cannot place; fully customizable categories; and an opt-in list of recurring charges with their yearly cost.
No sales, no advising, no assets-under-management pitches, no conflicts of interest: just your data and the math. Torv makes money one way, subscriptions. No ads, no data sales, no commissions or referral fees, and nobody’s going to call you: Torv doesn’t have your number.
Each piece of Torv exists somewhere: a budgeting app, a tax calculator, a retirement planner, a portfolio tracker. Nowhere else do they all live in one app, on one set of books, built to the same standard. That is the whole point: the statements feed the tax math, the tax math feeds the plan, and every number agrees with every other.
For ten years I tracked my family’s money the way a company tracks its own: every account, every transaction, every month balanced. The tax and retirement math I needed didn’t exist, so I built it.
The strongest protection isn’t encrypting data. It’s never receiving it.
The ability to move money
Torv is read-only by design. There is no code path that starts a transfer, payment or trade, so the capability can't be stolen or abused.
Your bank login
Connecting an account is handled by Finicity (a Mastercard company) or MX, never by a form on Torv. Torv never sees your username or password.
Full account or routing numbers
Torv asks its data providers for the last 4 digits only, so you can tell your accounts apart, and stores even those encrypted.
Your SSN, birth date, street address or last name
Planning uses your birth year and the state you file taxes in. Sign-up is an email and a password; Torv never asks for a last name.
Sealed with AES-256-GCM before it reaches the database, with the key kept outside it. Your account is filed under a random ID, not your email.
| user_id | name | institution | balance |
|---|---|---|---|
| a1b2…7d6c | enc:3a7f1b… | enc:7d4e2a… | $47,832.19 |
| a1b2…7d6c | enc:5c8d2e… | enc:9b2f4a… | $312,457.83 |
Example rows with placeholder values, in the shape Torv stores them. Amber is encrypted, blue is the random ID.
You are not the product. Torv makes money from subscriptions, and only from subscriptions.
| Feature | Budgeting Apps* | Torv Free | Torv $49.99/yr |
|---|---|---|---|
| Lifetime projection on return assumptions you set | Some | ✓ | ✓ |
| Savings & withdrawal sequencing | — | ✓ | ✓ |
| Roth conversion strategy | — | ✓ | ✓ |
| Tax cliffs (Medicare, health subsidy, Social Security) | — | ✓ | ✓ |
| Social Security optimization | — | ✓ | ✓ |
| 1040 tax breakdown (federal + state, line by line) | — | ✓ | ✓ |
| This year's tax from your actual paychecks and accounts | — | — | ✓ |
| Statements with every penny accounted for | — | — | ✓ |
| Bank & investment account syncing | ✓ | — | ✓ |
| Automatic transaction categorization | ✓ | — | ✓ |
| Spending analysis + trends | ✓ | — | ✓ |
| Recurring charges & price-hike alerts | Some | — | ✓ |
| Cash flow forecasting | Some | — | ✓ |
| Price | $100–200/yr | free | $49.99/yr |
| Feature | Retirement Planners† | Torv $49.99/yr |
|---|---|---|
| Lifetime projection on return assumptions you set | ✓ | ✓ |
| Roth conversion & Social Security comparisons | ✓ | ✓ |
| One optimizer picks conversions, claiming age and withdrawal order together | Some | ✓ |
| Federal + state tax, line by line | Some | ✓ |
| This year's tax from your actual paychecks and accounts | — | ✓ |
| Linked accounts keep balances current | Some | ✓ |
| Transactions categorized from linked accounts | — | ✓ |
| Statements with every penny accounted for | — | ✓ |
| Price | $99–168/yr | $49.99/yr |
* Budgeting Apps includes Monarch, YNAB, Copilot Money, and similar personal finance trackers. They are built around spending: syncing accounts, categorizing transactions, budgeting. Monarch Plus adds a forecast of net worth and retirement from the income, expenses and life events you enter. That is a projection of your own guesses. Torv runs a tax-aware optimizer over Roth conversions, Social Security claiming and withdrawal order, computes the federal and state return line by line, and keeps statements with every penny accounted for. Recurring charge detection and cash flow forecasting vary by app.
† Retirement Planners includes Boldin (formerly NewRetirement), ProjectionLab and Pralana. They plan: each models Roth conversions and Social Security claiming on return assumptions you set, and Pralana sets conversion amounts to a tax-bracket or IRMAA target. Taxes: Pralana says it calculates detailed federal and state income tax, Boldin projects federal and state tax, ProjectionLab estimates tax. Linked accounts: Boldin links accounts for balances but not transactions; ProjectionLab and Pralana take balances by hand (ProjectionLab also by plugin). None turns linked accounts into statements with every penny accounted for.
Prices as published by each vendor, checked October 31, 2026: Monarch Core $99.99/yr, Monarch Plus $199.99/yr, YNAB $109/yr, Copilot Money $109/yr; Pralana $99/yr, ProjectionLab Premium $129/yr, Boldin PlannerPlus $168/yr. Some offer free tiers with fewer features. Torv’s $49.99/yr is one price, and there is no higher tier.
No account, no card, no time limit.
Saved in your browser; a free account keeps your inputs on any device.
Need to cancel but can’t sign in? Manage your subscription
Subscribe on torv.app for $49.99 a year and use it everywhere: web, Android, and the iPhone app, at no extra cost. It starts with a 6-month free trial, no card required. Couples share one subscription, each with their own login. The iPhone app, when it is available, also sells its own subscription at $59.99 a year through Apple (due to Apple App Store fees). The free tax calculator and retirement planner need no account: what you type is saved in your browser, and a free account keeps it on Torv’s servers so it follows you to any device.
Yes, on Android: get it on Google Play. The iPhone app is coming soon. Torv also works in any phone browser, with nothing to install.
In Torv, open Account and choose Manage. Need to cancel but can’t sign in? Manage your subscription with your email address. A subscription bought through Apple is managed in iPhone Settings.
Balances and transactions arrive through the same aggregators every app uses. For most institutions a balance shows up the same day or the next, and transactions within two days. Fidelity is the exception: it delivers to Torv about two to three days behind. Torv never papers over that: Accounts show the day each institution last reported a balance, and investment accounts are valued at the latest market close between reports, wherever a holding has a market price. A 6-month free trial is long enough to see how your own institutions behave before you pay anything.
Banks, credit cards, brokerages and loans, through Finicity and MX. Your bank login goes to them, never to Torv’s servers. How Torv stores your data.
Take a couple with most of their savings in a 401(k), retiring at 55 in a state with no income tax. Until Social Security starts, their taxable income can be close to zero, so those years can convert to Roth at 10 or 12 percent, and Traditional contributions saved at 24 percent today can come out cheaper. Torv weighs your rate now against the rate your own withdrawals, conversions and Social Security will create later, and solves them together. See it in the demo.
Not by break-even age alone. For a married couple where one spouse earned much more, waiting from 62 to 70 makes the larger check roughly three-quarters bigger, and that check is the one the surviving spouse keeps. The waiting years are paid from savings, which also leaves room for low-bracket Roth conversions. Torv tests claiming ages for both of you against your withdrawal order, tax brackets and IRMAA surcharges. See it in the demo.
Say a couple retires at 60 and buys marketplace coverage until Medicare. The subsidy follows the income on their tax return, not their savings: a year paid mostly from cash and taxable accounts can show low income and a large subsidy, while a big IRA withdrawal or Roth conversion in the same year can shrink it by thousands. Torv plans those years so you stay on the right side of the cliff. See it in the demo.