TORN · STOCK MARKET · USERSCRIPT
INSIDER
📈 STOCK BENEFIT OPTIMIZER 💵
"It knows the market better than you do."
Torn's stock benefits pay real money — but working out which stocks, how many shares, and in what order is fiddly maths most people never bother with.
INSIDER does it for you. Type a budget and it builds the strongest benefit portfolio it can find for your money, priced on live market data, with one-click buying built in.
| Type a budget GET THE BEST PORTFOLIO |
1 click = 1 action RULES COMPLIANT |
Free forever DESKTOP & PDA |
🦊 INSTALL FREE ON GREASY FORK
Tampermonkey (desktop) & Torn PDA (mobile) · one script, both platforms
created by Confiscated [2445488]

The STASH bar, in the Stock Market title row.
💰 THE OPTIMIZER
🧮 Greedy best-block engine. It knows the block maths — every extra block of the same stock costs double but pays the same — so it always buys whichever stock's NEXT block earns the most per dollar until your budget runs out (and it knows where blocks cap out, like MCS at 10). The order it shows is the order you'd want to buy in.
💵 Real prices, not guesses. Live share prices; item benefits (Feathery Hotel Coupons, Six-Packs, Drug Packs…) valued at the cheapest live Item Market listing, points at the live points market.
🧾 Counts what you already own. Your shares are paid-up progress toward blocks, so the plan only buys the gap — and tells you when finishing a part-filled block beats selling it.
📊 Full breakdown up front. Daily / weekly / monthly / yearly income, ROI %/yr, exact shares and cost per stock. Type 4b, 750m, 5k or 5,000,000 — all understood.
🏦 MONEY BEYOND YOUR WALLET
🏠 Vault, armory & bank balances. Your property vault, faction armory money and city-bank investment shown right under the budget box. Tap any figure to add it to your budget — never auto-included, since that money must be withdrawn before it can buy stocks. Needs a Limited API key; on a Public key a clear badge explains what's locked, everything else keeps working.
🏦 Bank-payout planner. Investment maturing? One tap on plan the payout shows exactly which blocks that money best buys at today's prices.
⚖️ Bank vs stocks verdict on every scan. Every plan ends with a verdict: do your blocks beat a maxed bank investment (~16%/yr with merits + TCI), does the bank beat them — or does only the plan's weakest block lose to the bank, in which case it suggests banking the tail. Your money always lands where it earns most.
📈 TAKE PROFIT
✂️ TRIM — profit without touching a benefit. A stock you hold blocks in is trading above your average bought price? TRIM sells only the excess shares above your benefit blocks (or perk requirement). The block floor is subtracted before a single share is offered — selling the full TRIM amount can never drop you below a benefit threshold.
💰 TAKE PROFIT — clear dead positions in the green. Shares with no complete block and no held perk earn you nothing — when they're above your buy price, one row sells the lot and banks the profit. Protected stocks you're deliberately accumulating are skipped.
⚡ Reinvest into more passive income. Results end with the cash freed, your locked-in profit, the best next blocks to work toward (cost, payback, +$/day) — and a one-tap button that plans the optimal blocks for exactly that amount. Sell high, buy income.
🎚 Your threshold. Only suggests sells above your chosen profit margin (default 5%). Profit comes from your real average bought price, read from your API transaction history — needs a Limited key, zero extra API calls.
🔀 AUTO-REALLOCATE
One checkbox analyses everything you hold. Your whole portfolio is valued at live prices and re-planned from scratch — a sell list and a buy list, with before → after income.
No pointless churn. A sell only appears if its cash actually funds a better buy; micro-drift gains are ignored rather than dressed up as a plan.
💵 Fully funded, fee included. Protected stocks and benefits it can't price are pinned in place BEFORE the plan is drawn, and the buy list only ever spends what the sells actually deliver — net of Torn's 0.1% selling fee. No plan you can't afford to execute.
🏆 Knows when you've won. Already optimal? It says so, and lists the best next blocks to save toward — cost, payback time and income each would add. Finish every trade and it shows your exact before → after gain.
⚡ TRADING
One-click buys and sells. First click shows the exact money moving, second click sends one trade through Torn's own endpoint. Actioned rows tick ✓ and clear themselves from the list.
🔒 STASH. Lives in the Stock Market title bar. About to be mugged? One click dumps your entire wallet into your chosen stock instantly — wallet and price read straight off the page, zero delay.
↘ WITHDRAW. The other half of STASH, right beside it — sells that position back to cash. Benefit shares are never included: complete blocks and held perk requirements are subtracted before a single share is offered. First click arms and states the exact size, second click sends one sell.
↕️ Sortable STASH list. Order the stock picker your way: CHEAPEST (default), A–Z, MOST OWNED, HELD FIRST or 24H % movement. Your choice sticks, and re-sorting never silently changes which stock the button targets.
💸 Cheapest cash-out planner. Need cash for a property or upgrade? Type the amount and it sells whatever loses the least income per dollar freed: dead excess shares first, weakest blocks last.
🛡 SAFETY
Protected stocks. Major perks (TCI bank interest, WSU education, IST free courses, WLT — and MCS free meals, top value for anyone converting energy into money) are protected by default — their benefit is never offered for sale, only excess shares. Protect or release any stock with one click.
Benefits without a price tag still count. MCS Energy, EVL Happy, CBD Nerve — real active benefits no market can price. Their blocks are treated as real benefit blocks everywhere: never labelled "excess", never quietly sold to fund something else, and flagged loudly if a sell would cost one.
Fee-honest numbers. Every sell, profit and cash-out figure is net of Torn's 0.1% selling fee — what you see is what actually lands in your wallet.
Every sell states its price. "Loses 2 benefit blocks — $9.6m/day", "you HOLD this perk — selling loses it", or confirms it's benefit-free excess.
Checks you before you cash up. Not at full life? Bounties on your head? In hospital or jail? Sell buttons grey out with the reason — unlock them with an acknowledgement tick when you know what you're doing.
🔔 ALWAYS WATCHING
💰 Benefit-ready alerts. A green pip on the side tab counts benefits ready to collect — money on the table you'd otherwise forget.
🔔 Reshuffle watchdog (opt-in). Quietly re-checks your allocation when you visit (max every 6h) and turns the tab red when reallocating would beat your threshold. A stale-scan reminder nudges you after 24h.
📊 ANALYTICS
Live earnings tracker. Estimated benefits earned since you started, ticking in real time, with your rate per day / week / month / year. Survives reloads, and keeps your last reshuffle's before → after on record.
Real collections (optional). A Full-access key can sync actual collections from your activity log for a verified lifetime record. Entirely optional — everything else works without it.
📱 SETUP
Desktop: Install via Tampermonkey, open the stocks page, paste your API key once — Public is enough for planning; Limited also unlocks vault / armory / bank tracking and the profit scanner. Trades use your logged-in session, never the key.
Torn PDA: Add the script in PDA's userscript settings — your key is injected automatically, zero setup, full mobile layout included. Starts whenever you land on Stocks (even navigating there later) and cleans itself up completely when you leave the page.
✔ Within Torn's scripting rules (1 click = 1 action). Every Buy, Sell and Stash sends exactly one trade per deliberate click, through the same endpoint Torn's own buttons use. Nothing automated, nothing in the background. Planning is read-only API use; your key never leaves your device.
❓ FAQ
Why does it skip stocks like TCI or WSU?
Perk benefits have no clean dollar value, so they can't compete in a money optimiser — and they're protected by default so the perk is never sold out from under you.
Can TRIM / TAKE PROFIT break my benefit block?
No — structurally impossible. The shares your blocks and perks need are subtracted before anything is offered for sale, so selling the full suggested amount always leaves every benefit intact. TAKE PROFIT only ever fires on positions holding no block at all.
It says "LIMITED API KEY REQUIRED" under the budget box?
Vault, armory and bank balances — and the profit scanner's bought prices — can't be read with a Public key. Create a Limited key in API preferences and swap it via change key — or ignore it, everything else works fine on Public.
The income numbers changed since yesterday?
Benefit items and points are valued at live listings — prices move. Re-scan before spending; repeat runs within 10 minutes reuse cached data and are instant.
How many API calls does it use?
~13 per scan, paced 750ms apart — well inside Torn's shared 100/min budget — and failed calls back off instead of retrying hot. The benefit-ready pip and holdings detection are free DOM reads (and only run while the tab is actually on screen).
🛠 Need a custom script? Whatever the idea, if it's possible inside Torn's rules I'll build it — private, made for you alone. Contact me for a quote.
💚 Free forever — if it earns you something, a tip to Confiscated [2445488] is always appreciated.
🐛 Bugs, feedback or suggestions — message me directly, every one gets read.