# LT Trust vs Guideline

The clearest difference is rating: Guideline at 4.9 against LT Trust's 2.0. Guideline also leads on review sentiment (42% vs 0%) and update cadence (fortnightly vs every 7 months). LT Trust's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (11.0 vs 15.1). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Guideline holds the better App Store score, 4.9 against 2.0. That said, the two scores are not equally well evidenced: Guideline has 1.9K ratings behind it against 15, so its average is the more settled of the two. Written reviews point the same way: 0% of LT Trust's written reviews are positive against 42% of Guideline's.

LT Trust ships an update every 7 months, Guideline fortnightly. The most recent releases landed on September 14, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | LT Trust | Guideline |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (15 ratings)](https://appshunter.io/ios/app/lt-trust/id1487445735/reviews) | **[4.9 (1.9K ratings)](https://appshunter.io/ios/app/guideline/id6446659674/reviews)** |
| Number of ratings | 15 | **1.9K** |
| Positive reviews | 0.0% of reviews | **42.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 21 MB | 46 MB |
| Requires iOS | **11.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [LT Trust](https://appshunter.io/developer/1487445733) | [Gusto, inc.](https://appshunter.io/developer/1478804270) |

## What reviewers say

### LT Trust

[App page](https://appshunter.io/ios/app/lt-trust/id1487445735)

Manage your retirement plan by accessing key details like your current balance and investment choices. Stay informed about your financial future with easy-to-view account information.

**Highlights:** View account balance, Check investment elections, Access important account information, Retirement plan management

**Features:** macOS Compatibility

**In-app purchases:** none


### Guideline

[App page](https://appshunter.io/ios/app/guideline/id6446659674)

Easily set up and manage your 401(k) retirement account directly from your phone. Track progress, adjust contributions, and consolidate savings from other accounts. Invest with confidence through guided portfolio selection and automatic rebalancing.

**Highlights:** Set up 401(k) in minutes, Access and manage contributions, Invest in recommended portfolios, Automatic portfolio rebalancing, Consolidate savings from other accounts, Mobile-first security features, Award-winning customer support

**In-app purchases:** none

**What reviewers like**

- 👍 Simple and easy to use UI
- 💡 Streamlined app experience
- 🚀 Excellent app performance

**What reviewers complain about**

- 🐛 Login and authentication issues
- 🔋 Frequent app crashes and freezes
- 💰 Increasing account fees
- 🚫 Lack of dark mode support

**Reported bugs**

- Login screen refreshes preventing 2FA
- Inability to paste codes from password managers
- App freezes when navigating away for 2FA

**Requested features**

- Dark mode option
- Support for IRA accounts
- Improved biometric authentication


## Frequently asked questions

### Is LT Trust free?

LT Trust is free to download, with no in-app purchases.

### Is Guideline free?

Guideline is free to download, with no in-app purchases.

### Which has better reviews, LT Trust or Guideline?

Guideline is rated higher. LT Trust averages 2.0 out of 5 from 15 ratings, while Guideline averages 4.9 from 1.9K ratings.

### Do LT Trust or Guideline have ads?

Neither LT Trust nor Guideline shows ads.

### Which is updated more often, LT Trust or Guideline?

LT Trust ships an update every 7 months, and Guideline fortnightly. Most recently, LT Trust was updated on September 14, 2026 and Guideline on September 22, 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.*