Hey @MelodyElodie! I like your name. Here are some ripped tops:
Female:
http://sims4nexus.com/?p=5115 While I was looking I saw a video that paired this top with this accessory jacket in black and grey and it was really cool: http://calliev-plays.tumblr.com/post/120558573611/made-for-ts4-4-styles-of-the-bomber-jacket
http://spring4sims.com/2017/05/ripped-tee-for-the-sims-4/
http://varden-golzen.tumblr.com/post/161668412892/solal I almost didn't include this, it's really shredded
Male:
https://www.thesimsresource.com/downloads/details/category/sims4-clothing-male-teenadultelder-everyday/title/ripped-tee/id/1273233/
This one is a little tricky. One version is an accessory version that can be layered under tank tops in the game. The other version can be worn as a top itself. You can either put the nude top (included) paired with it. (Even though they are both categorized as tops they work together) or use one of the accessory tops underneath it, like the 3rd and 4th pictures layered. The top should work with any accessory jacket above as well.
http://sssvitlans.tumblr.com/tagged/s4acc+fTops/page/2
These might be too costume-y:
https://www.thesimsresource.com/downloads/details/category/sims4-sets/title/set-bride/id/1356087/
This shirt isn't ripped but it is really grungy and it's not the in game homeless filth look. I thought maybe with ripped leggings it would work:
http://www.simszoo.de/include.php?path=download&contentid=52176
Lana's CC finds has a great Halloween section full of fun stuff that you may want to check out (I did go through it for ripped clothes):
http://sssvitlans.tumblr.com/tagged/s4halloween