Your entire financial life.
Computed from first principles.
Every person has two questions about money: Where is it going? and What should I do? This app answers both — reconciled to the penny, computed from tax law and your own numbers. No forecasts. No guesswork.
Encrypted at rest. Identity pseudonymized. No trackers, ads, or data sales. See how →
Free financial tools
Powered by a 50-state tax engine. No login. No ads. No data collected. Just answers.
Retirement Planner
Full lifecycle optimizer — savings waterfall, Roth conversions, Social Security, withdrawal sequencing.
Tax FilingTax Refund Estimator
Federal + state refund or amount owed with full bracket calculation.
TaxTax Brackets
See which 2026 brackets your income falls in. Marginal and effective rates.
Retirement401(k) Optimizer
Roth vs. Traditional, employer match, tax savings at every contribution level.
RetirementRoth Conversion
Tax cost today vs. tax-free growth. Includes IRMAA and state taxes.
InvestmentsCapital Gains Tax
NIIT, bracket stacking, qualified dividends, and state taxes on investment gains.
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.
No crystal ball. By design.
Most planning tools lean on a market forecast — Monte Carlo runs seeded with someone’s guess about future returns. Torv predicts nothing. Every output is a consequence of two things: current tax law and inputs you control. You choose the return assumption; the engine optimizes for it — then sweeps the whole grid of assumptions so you can see exactly how the answer moves if you’re wrong.
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, took us from $217K to $3.5M 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. And the subscription is the entire business model — no ads, no data sales, no investors to satisfy.
The only growth plan is being worth $49.99 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 from $49.99/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 | ~$100/yr | free | $49.99/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.
This is how we store your data.
Most financial apps say “bank-level encryption” and show a lock icon. Here’s a representative sample of what we store.
| 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.
Every calculator is free. No login required.
Free book: A Book about Wealth
The blueprint behind the app. Six levers that determine your lifetime wealth — starting capital, earnings, taxes, spending, investment returns, and interest expense. Written for recent grads and anyone who wants to understand how money actually works.
60 pages. No fluff. No upsell. The book teaches the framework; the app computes it.
Download free (PDF)Ready to see your numbers?
Every tool is free. No login required. Sign up when you want your data saved and accounts synced.