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

Most tools answer neither. They sort spending after the fact, then hand you a retirement number from a simulation nobody can audit. Torv works the other way around. 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. When something doesn't tie out, Torv shows you the difference instead of quietly absorbing it.

On top of the books sit two engines. A 50-state tax engine computes federal and state liability from the actual code — brackets, capital gains, AMT, IRMAA, Social Security taxation. A lifetime optimizer solves the circular problem that rules of thumb can't: Roth versus Traditional depends on your marginal rate across several interacting tax systems, Social Security claiming depends on your withdrawal sequence, and that depends on your conversion strategy. Torv searches withdrawal order, conversions, and claiming ages for the plan that funds the most spending — while making zero predictions about the market.

Torv was built by a finance PhD who spent ten years keeping these statements by hand for his own family, every transaction categorized and every month reconciled. The free calculators need no login. The subscription covers the bookkeeping, and it is the entire business model — no ads, no data sales, no investors. Identity data is encrypted at rest, user IDs are pseudonymized, and there are no trackers.