Torsalis

Torsalis is a retirement planner for people whose money is concentrated in a few positions, a single stock, a crypto holding or a handful of funds, rather than spread neatly across an index. It ships as one HTML file that runs entirely in your browser, works offline, and uploads nothing, and it answers the question standard planners skip, what you'd actually keep after tax if you unwound those positions on a schedule.

The problem is that most retirement advice assumes diversification already happened. If half of a household's net worth sits in one stock, the 4 percent rule and the generic glide path don't describe your situation, and the real questions are about capital gains, income tax on withdrawals and the order in which you sell. Torsalis models exactly that, holding by holding, and shows the after-tax proceeds rather than the gross number that looks better than it is.

You enter your holdings with their cost basis and account types, set growth rates per holding, including fast and slow phases or price targets, and describe a sell schedule, either a fixed calendar or price-triggered rungs. The planner calculates capital gains tax, income tax on withdrawals and net proceeds, optimises the sell order between taxable-first and proportional approaches, and stress tests the plan with sequence-of-returns scenarios, Monte Carlo simulations and crash cases. A fourteen-section methodology with worked examples explains every calculation.

It's for the person with a concentrated position who wants to see the numbers before talking to anyone, and who would rather not link a brokerage account or create a login to do it. Because the whole tool is one file, there's no account, no upload and nothing to trust with your balances, which is the design decision the site leads with.

Using it starts on the site, where a free browser version produces basic projections, so you can tell within a few minutes whether the modelling matches how you think about the problem. The paid file adds the full feature set, the Monte Carlo runs and the detailed unwind costs, and being a file you keep, it keeps working without a subscription or a server.

What sets it apart is the combination of specialism and privacy. The subscription planners the site compares itself to run at roughly $129 to $144 a year and generally want your accounts connected. Torsalis is a one-time purchase, offline by construction, and focused on the concentrated-position case that the general tools handle badly. The methodology being published in full is unusual too, since most planners treat the model as the product and keep it opaque.

The limits follow from the design. It's a single-user file rather than a collaborative tool, there's no brokerage sync, and everything rests on the tax assumptions and rates you enter, so the output is only as good as your inputs. It's also a newer product from a small maker, with a hosted version still on a waitlist.

The modelling choices are the interesting part. Growth rates are per holding rather than one blended number, with the option of a fast phase followed by a slow one or a price target that ends the position, which is how people actually think about a single stock. Sell schedules can be a calendar, so many shares each quarter, or rungs that trigger at prices, and the optimiser tells you whether selling taxable-first or proportionally across accounts leaves more after tax. The Monte Carlo runs and the crash cases then show how fragile the plan is to the order in which returns arrive.

The offline, single-file design is a real position rather than a gimmick. There's no account to breach, no server holding your balances and no subscription that stops working when a company pivots. You own the file, you can keep it on a drive, and the planner runs the same way in ten years as it does today. The trade is that updates are a new file rather than a silent server change, and the hosted version for people who prefer that model is still on its waitlist. The 14-day refund guarantee covers the file purchase if the modelling turns out not to fit your situation.

Pricing is freemium. The browser version with basic projections is free, and the downloadable file with the full feature set, Monte Carlo and the first year of the coming Torsalis Online is $99 one time, with a 14-day refund guarantee. Contact for refunds and questions goes through the email on your receipt, and a waitlist exists for the hosted version.