Torv
verifiedFreemiumpersonalcfo.app
Free tax and retirement calculators computing your real tax rate, savings order, and Roth strategy line by line from actual tax law.
What it does
Torv (marketed at personalcfo.app) is a personal finance tool that computes tax and retirement answers from actual tax law rather than market forecasts. Free calculators cover tax brackets, refunds, 401(k) optimization, Roth conversions, and capital gains across all 50 states; a paid subscription adds account syncing and full financial-statement bookkeeping.
Core features
50-state tax engine for brackets, refunds, and marginal rate calculations
Retirement planner covering savings order, Roth conversions, and Social Security timing
401(k) and Roth conversion optimizers
Capital gains and investment tax calculators
Full 1040-style federal and state tax breakdown
Paid tier adds synced-account bookkeeping reconciled to the penny
Best for
→Finding your true marginal tax rate across federal, state, and benefit cliffs
→Deciding the optimal order to fund 401(k), HSA, and Roth accounts
→Estimating a federal and state tax refund before filing
→Modeling the tax cost of a Roth conversion