Torv

Torv answers the two questions every person has about money: where is it going, and what should I do?

Every figure is computed from first principles - from tax law, from your own numbers, and from arithmetic you can follow to its source. Connect your accounts and Torv keeps real double-entry books: a balance sheet, an income statement, and a cash flow statement that reconcile to the penny.

On top of the books sit a 50-state tax engine and a lifetime retirement optimizer that searches withdrawal order, Roth conversions, and Social Security claiming ages for the plan that funds the most spending - while making zero predictions about the market.

Free calculators, no login required: torv.app