Torv

Torv is a personal finance app that answers two questions: where is your money going, and what should you do about it. It computes your financial life from first principles — using tax law and your actual numbers, not forecasts or guesses. The app offers a suite of free calculators for retirement planning, tax refunds, tax brackets, 401(k) optimization, Roth conversions, and capital gains. Every tool is free, no login required. The paid subscription adds bank and investment account syncing, automatic transaction categorization, spending analysis, and financial statements that reconcile to the penny.

What makes Torv stand out is its approach to planning. Most tools rely on market predictions or Monte Carlo simulations seeded with guesses about future returns. Torv predicts nothing. Every output is a consequence of current tax law and inputs you control. You choose the return assumption, and the engine optimizes for it — then sweeps the whole grid of assumptions so you can see how the answer changes if you're wrong. The engine computes every layer of the tax code: federal brackets, FICA, state taxes, EITC, ACA subsidies, IRMAA cliffs, and the Social Security torpedo. It handles all 50 states. The result is a personalized savings waterfall, Roth conversion strategy, Social Security claiming age, and withdrawal sequencing — all solved in seconds.

Torv is built by a finance PhD and professor who spent ten years keeping double-entry financial statements for his own family. The free tools are genuinely free — no ads, no data collection, no paywall. The subscription is $49.99 per year, and that's the entire business model. It's best for anyone who wants to understand their finances deeply, from recent grads learning how money works to retirees optimizing their withdrawal strategy. If you've ever wondered whether to do Roth or Traditional, when to claim Social Security, or if you're saving enough in the right accounts, Torv gives you a concrete answer based on your actu...