# USA Tip Calculator vs Smart Retirement Planner

The clearest difference is rating: Smart Retirement Planner at 5.0 against USA Tip Calculator's 4.3. Smart Retirement Planner also leads on update cadence (every 3 weeks vs every 3 months). USA Tip Calculator's advantage is ratings volume (11 vs 1) and iOS requirement (11.3 vs 15.6). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. USA Tip Calculator sells 1 one-off in-app purchase and Smart Retirement Planner sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Smart Retirement Planner holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: USA Tip Calculator has 11 ratings behind it against 1, so its average is the more settled of the two.

USA Tip Calculator ships an update every 3 months, Smart Retirement Planner every 3 weeks. The most recent releases landed on November 2, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | USA Tip Calculator | Smart Retirement Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (11 ratings)](https://appshunter.io/ios/app/usa-tip-calculator/id1434886406/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/smart-retirement-planner/id6777520907/reviews)** |
| Number of ratings | **11** | 1 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 12 MB | 4 MB |
| Requires iOS | **11.3** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Mark Tiddy](https://appshunter.io/developer/1387964564) | [Gary Cox](https://appshunter.io/developer/1083086974) |

## What reviewers say

### USA Tip Calculator

[App page](https://appshunter.io/ios/app/usa-tip-calculator/id1434886406)

Easily calculate restaurant tips and the total bill amount. Input your bill total and select a desired tip percentage to instantly see your tip and the final amount due.

**Highlights:** Calculate tip percentage, Calculate total bill, Simple interface, Works on iPhone and iPad

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Advertising | $0.99 | one-time |


### Smart Retirement Planner

[App page](https://appshunter.io/ios/app/smart-retirement-planner/id6777520907)

This app helps adults plan for retirement with simple tools and visual projections. It offers guidance on savings, account growth, withdrawal sustainability, and bridging income gaps before Social Security. Prioritizes privacy with an on-device experience and no account requirement.

**Highlights:** Personalized retirement overview, Savings goal and projected balance, 401(k) growth projections, Monthly withdrawal planning, Social Security bridge funding, Monte Carlo market simulations, On-device privacy

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlock Pro | $4.99 | one-time |


## Frequently asked questions

### Is USA Tip Calculator free?

USA Tip Calculator is free to download, with in-app purchases available.

### Is Smart Retirement Planner free?

Smart Retirement Planner is free to download, with in-app purchases available.

### Which has better reviews, USA Tip Calculator or Smart Retirement Planner?

Smart Retirement Planner is rated higher. USA Tip Calculator averages 4.3 out of 5 from 11 ratings, while Smart Retirement Planner averages 5.0 from 1 ratings.

### Do USA Tip Calculator or Smart Retirement Planner have ads?

Neither USA Tip Calculator nor Smart Retirement Planner shows ads.

### Which is updated more often, USA Tip Calculator or Smart Retirement Planner?

USA Tip Calculator ships an update every 3 months, and Smart Retirement Planner every 3 weeks. Most recently, USA Tip Calculator was updated on November 2, 2026 and Smart Retirement Planner on October 31, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*