📈 INSIDER — Stock Benefit Optimizer 💵

"It knows the market better than you do."

Type a budget. Get the mathematically best benefit-stock portfolio — exact stocks, exact share counts, exact income — before you spend a single dollar.

💰 The optimizer

• 🧮 Greedy best-block engine — 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. The order it shows is the optimal buy order.
• 💵 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. Not Torn's laggy "market value".
• 🧾 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.
• ⌨️ Money shorthand — type 4b, 750m, 5k or 5,000,000. All understood, echoed back in full.

🏦 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 Tap any figure to add it to your budget — never auto-included, since that money must be withdrawn before it can buy stocks.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 — tells you whether your blocks beat a maxed bank investment (~16%/yr with merits + TCI), whether the bank beats them, or whether only the plan's weakest block loses to the bank — in which case it suggests banking the tail. Your money always lands where it earns most.

📈 Take profit

• ✂️ TRIM — 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/perk floor is subtracted before a single share is offered — selling the full TRIM amount can never drop you below a benefit threshold.
• 💰 TAKE PROFIT — 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.
• 🎚 Your threshold — only suggests sells above your chosen margin (default 5%). Profit comes from your real average bought price, read from your API transaction history — needs a Limited key, no 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.
• 🏆 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.
• 🎉 Celebrates the win. Complete every trade and it shows your exact before → after gain, then records it in Analytics.

⚡ 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.
• 🔒 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. Sell later to withdraw.
• ↕️ 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, ISTC, 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.
• 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, unlockable with an acknowledgement tick when you know what you're doing (med cooldowns happen).

🔔 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 once per 6h) and turns the tab red when reallocating would beat your threshold.
• ⏱ Stale-scan reminder — shows when you last scanned and turns red after 24h, because prices drift and gains appear.

📊 Analytics

• Live earnings tracker — estimated benefits earned since you started, ticking in real time, with your rate per day / week / month / year. Survives reloads.
• Reshuffle history — your last reallocation's before → after, kept on record.
• Real collections (optional) — a Full-access key can sync actual benefit collections from your activity log for a verified lifetime record. Entirely optional; everything else works without it.

🚀 Install & setup

Desktop — Tampermonkey / Violentmonkey

1. Install the script.
2. Open the Stock Market.
3. Click the green 📈 tab on the left edge and paste your Torn API key once — Public is enough for planning; Limited also unlocks vault / armory / bank tracking.
4. Type a budget → Scan portfolio.

Torn PDA — mobile

1. Add the script in PDA's userscript settings.
2. Done — your key is injected automatically, zero setup, full mobile layout included.

🔑 Your key stays yours. It's only ever sent to Torn's own API and stored locally on your device. Trades use your logged-in session, never the key.

📜 Torn rules compliance

✔ 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 is automated, scheduled, or done without your click. Planning is read-only API use.

❓ 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 their perk is never sold out from under you.

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.

Is the Analytics total my real payout history? It's a running estimate from the blocks you hold, accrued over real time. Sync your log (optional, Full-access key) for verified collections.

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.

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.

How many API calls does it use? ~13 per scan, paced 600ms apart — polite to the shared per-key limit. The benefit-ready pip and holdings detection are free DOM reads.

💚 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.