Torsalis
Torsalis — retirement tax planner; see what you keep after capital gains, holding by holding.
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What is Torsalis?
Torsalis is a financial planning calculator that shows after-tax proceeds from liquidating concentrated stock holdings, accounting for capital gains taxes and account types. Designed for investors with concentrated positions who need to understand the real net value when converting holdings into retirement income.
Torsalis pricing
Pricing model: Paid
$99 once to own the file; free to use in browser with no sign-up required
Torsalis pros
- Shows after-tax proceeds accounting for capital gains and account-type-specific taxes
- Handles brokerage, pre-tax (401k/IRA), and Roth accounts with proper tax treatment
- Includes tax-smart sell ordering to minimize lifetime taxes on liquidation
- Runs entirely in browser with no data upload, account linking, or subscriptions
Torsalis cons
- Focused specifically on concentrated positions; less useful for diversified portfolios
- No brokerage API integration—requires manual entry of holdings and cost basis
- Not a full financial advisor or wealth management platform
Frequently asked questions about Torsalis
Do I need to link my brokerage account?
No. There's no integration, OAuth, or account requirement. You manually enter your holdings.
What account types does it support?
Brokerage (taxable), pre-tax accounts (401k/IRA), and Roth accounts, each with proper tax treatment for withdrawals.
Is this for diversified portfolios?
No—it's built for concentrated positions and models individual holdings rather than account-level allocations.
Do I need a subscription?
No. The in-browser version is free with no sign-up. The $99 one-time payment gives permanent file ownership.