Torv

Torv

About this app

Torv answers two questions about your money: where is it going, and what should you do next?

Where is it going
• Financial statements that balance to the penny: income, spending, taxes and net worth, built from the accounts you connect.
• Every dollar you earned, broken into taxes, living expenses and what you kept.
• Transactions categorized for you, with rules you control.
• A cash-flow forecast for the months ahead.
• Investments: holdings, performance, and the fees you pay across every account.

What should you do
• Your full federal return, computed line by line, with state taxes for all 50 states.
• The real tax rate on your next dollar of income.
• Which accounts to fund first: employer match, HSA, Roth or traditional, and more.
• Retirement planning: withdrawal order, Roth conversions and Social Security claiming ages, solved together.

No crystal ball
Torv makes no market predictions. Its answers follow from current tax law and the inputs you control, including the return you assume.

Your data
• You connect accounts through Finicity (a Mastercard company) or MX. Torv never sees or stores your bank password.
• Read-only: Torv cannot move money.
• The app locks with your fingerprint, face or screen lock.
• Sensitive data is encrypted, and Torv never sells your data or uses it for advertising.
• Delete your account and data at any time.

Torv is for people in the United States. It is an educational planning tool, not financial, tax or investment advice.