Torv was launched under the name Personal CFO and has since rebranded; visitors to personalcfo.app are redirected to torv.app. The premise is simple: most budgeting apps tell you what you spent, whereas a CFO keeps the books, knows the tax cost of every decision, and plans the rest of your life. Torv attempts to do all three on one set of books, starting from accounting and the tax code rather than bolting finance features onto a budgeting shell.
The bookkeeping side links your banks, cards, brokerages and loans through aggregators such as Finicity (a Mastercard company) or MX, then categorizes transactions automatically and generates a monthly income statement, balance sheet and statement of cash flows. Every month's change in net worth ties out exactly, so what you saved, what you spent and what the market did reconcile to the whole — an audit-grade view that ordinary budgeting apps rarely provide.
The planning side is unusually deep for a consumer tool. A line-by-line 1040 engine covers all 50 states plus DC, including payroll taxes, credits and the stacking of Medicare IRMAA, ACA subsidy and capital-gains cliffs, and reports the marginal rate on your next dollar — which can swing from deeply negative to over 100%. A single optimizer then chooses Roth conversions, Social Security claiming age and account withdrawal order together. Pricing is freemium: the tax calculator and retirement planner are usable free without an account, while the $49.99 per year subscription pays for synced accounts, statements and categorization. Torv is read-only, never stores your bank login, and monetizes only through subscriptions.
