MacroMicro vs Torv (formerly Personal CFO)

Macro coverage of 132 countries with central bank decisions and global FX, equity and bond markets, plus industry and company datasets.

Interactive visualisations that can be customised, saved, shared and embedded in research, presentations and reporting workflows.

Proprietary fundamental, sentiment and trading indices including forward indicators, Fear & Greed and bull-bear signals.

An AI layer that pairs the database with a structured research framework to answer questions with data-backed results.

Link banks, cards, brokerages and loans to get a monthly income statement, balance sheet and cash-flow statement where each month's net-worth change reconciles exactly across savings, spending and market movement.

Compute a full federal and state 1040, including payroll tax, credits, IRMAA, capital-gains brackets and health-subsidy cliffs, and see the real marginal rate on your next dollar.

Solve Roth versus traditional contributions, Roth conversion timing, Social Security claiming age and withdrawal sequencing together across every year of your plan, with no market forecasts required.

Torv cannot move money, never receives your bank username or password (aggregation runs through Finicity or MX), stores only the last four digits of account numbers, and encrypts sensitive fields with AES-256-GCM.