Torsalis — retirement planning, holding by holding
Torsalis retirement planning, holding by holding
Getting in
was the easy part.
Now know what you keep.
Every calculator shows you the gross number. Torsalis shows you what survives the tax bill on the way out — holding by holding, at your growth rates, on a sell schedule you set.
Gross
$2,000,000
What you keep
$1,420,750
To tax
$579,250
$2M holding · $250K cost basis · 33.1% capital gains
**No account, nothing uploaded** · free in your browser · $99 once to own the file
The problem
The 4% rule assumes a diversified portfolio.
Yours isn't one.
Post a plan built on one big winner and you'll be told, correctly, that the math you used doesn't apply. Then you'll be told to diversify. Nobody hands you the tool that replaces it.
Every mainstream planner models _accounts_, not holdings. You enter "brokerage, $800,000, growing 7%" and never name a ticker. That's fine for an index investor and useless when your plan rests on three specific companies you have an actual opinion about.
> "Half of your household net worth is in one stock, I don't think 4% rule applies in this case"r/ChubbyFIRE
> "He doesn't own $2m of NVDA. He really only owns 1.3m. He owes the other .7m to the government."r/fatFIRE
> "It wasn't until I finally laid every account out in one place that it landed how lopsided the picture actually was."r/ChubbyFIRE
Try it — no account, nothing uploaded
Your numbers. Right now.
This is the real engine, running on this page — a four-holding slice of it. Change anything. Nothing is sent anywhere.
**Unwind a concentrated position**sell 60% over 5 years · 2026–2031
Sample portfolio — edit any value to see what the unwind costs | Holding | Account | Price | Shares | Cost basis | Value | % of plan | | --- | --- | --- | --- | --- | --- | --- |
Sell over the unwind
Capital gains %
Income tax %
Years to unwind
Gross proceeds
—
what the statement says
What you keep
—
after tax, in your hand
Cost to get out
—
tax on the embedded gain
**That is the ten-second version — and whatever you change here comes with you.** Prices, cost basis, accounts and the sell schedule all carry over. The full planner adds a growth rate per holding, sell ordering, the crash test and Monte Carlo — free, no sign-up, nothing saved to us.
What it does
Built for the decision you're actually stuck on.
Not "when can I quit" and not "will it last" — both already have free tools. The one nobody answers is what it costs to convert a concentrated position into a retirement.
Every holding at its own rate
Each stock, coin or fund compounds at a growth rate you set — with a fast-growth stage and a humbler rate afterwards, so you're not compounding 40% for thirty years. Have a price target instead of a rate? Type the target and the year; it derives the rate and shows the arithmetic.
The after-tax unwind
Tag each holding brokerage, pre-tax or Roth, add a cost basis if you have one, and see what each sale actually nets. Basis recovers proportionally as you sell. Withdrawals gross up properly — to net $100,000 at 20% it sells $125,000.
A sell schedule, not a market call
Set fixed chunks on a calendar, or rungs that trigger at prices you choose. The plan gets made while you're thinking clearly, so no individual sale becomes a timing decision.
What order you sell in
Tax-smart ordering against pro-rata, side by side. On one test portfolio — same holdings, same spending — that single choice was $344,102 in lifetime tax against $824,061.
The crash that actually ends retirements
Sequence-of-returns risk is invisible in a smooth growth curve. Drop the market by a percentage you choose, right at retirement, and watch the plan bend — or not.
A thousand futures, not one
Monte Carlo with per-asset volatility and correlated shocks, because a portfolio where everything is AI-adjacent doesn't diversify the way independent draws suggest. Runs entirely in your browser.
Reasonable objections
You've heard a pitch like this before.
- →
**"I could build this in a spreadsheet."**
You probably could — plenty of people here have, over fifteen years. Keep it. Use this to find out whether it agrees.
- →
**"I'm not linking my brokerage."**
You can't. There's no integration, no OAuth, no account. You type what you hold — crypto prices fetch automatically, and the file you own fetches live stock prices too.
- →
**"I don't want another subscription."**
Then don't have one. Pay once, keep the file forever.
- →
**"I don't trust software to do the calculation."**
Correct instinct. Every formula is written out with worked examples — check the math before you pay, not after.
- →
**"I want to try it before I create an account."**
There's nothing to create. Scroll up — it's running on this page — or open the full planner, also free, also no sign-up.
Check the math
Every formula,
written out.
Fourteen sections of worked examples that reconcile exactly with the engine. A $1,000,000 position with $400,000 of basis is 60% gain; at a 15% capital-gains rate that's a 9% effective rate, so netting $100,000 sells $109,890.11. That number appears in the methodology and in the projection, and they match.
And what it doesn't do
Known limits, stated up front
- —
No progressive tax brackets — rates are flat as you enter them
- —
No RMDs, IRMAA, or ACA subsidy modeling
- —
No Social Security taxation rules
- —
State tax is folded into the one combined rate you type, not modeled by jurisdiction
- —
Growth applies once a year, not continuously
If you need those, Pralana models them properly and costs about the same. It won't price your unwind — the two answer different questions, and plenty of people will want both.
Price
Pay once. It's yours.
ProjectionLab is $129 a year. Boldin is $144. Over a thirty-year retirement that’s about $3,900 to $4,300 in subscription fees — $12,000 to $14,000 if you had invested it instead.
**The planner is free to use.** Every feature that produces an answer — unlimited holdings, sell ordering, the crash test, Monte Carlo — costs nothing, forever, at torsalis.com/try. What $99 buys is the file itself: keeping your work, and owning the thing rather than visiting it.
The file
$99
**once** — the file is yours forever. Year one of Online included.
- ✓
Save your plan, export the table, print or PDF, send a share link
- ✓
Works offline, forever, on any machine you own
- ✓
Live stock prices — fetched with your own free key instead of typed in (crypto needs no key at all)
- ✓
Free updates, always — fixes and improvements, never gated
- ✓
**First year of Torsalis Online included**, free, when it launches
- ✓
Nothing to log into, nothing to cancel, no server to trust
Delivered by email within a minute. Your copy is stamped with your name.
Coming · included free for a year
$29/yr
only after your first year — which comes with the file
- ✓
The same planner in any browser, nothing to install
- ✓
Live crypto prices built in · stock prices with your own free key
- ✓
Saved plans that follow you across devices
- —
Cancel and the file still works. It always will.
Not built yet, and not sold separately. Buy the file and your first year is included when it launches.
Prices include VAT where applicable. **All sales are final** — digital files can't be returned once they're downloaded. That's exactly why the whole planner is free to use first: nothing about the file should be a surprise by the time you pay.