# Total Return vs Gist Money

The clearest difference is update cadence: Gist Money at weekly against Total Return's every 2 months. Gist Money also leads on rating (4.3 vs 3.9) and iOS requirement (15.0 vs 18.0). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. Total Return sells 2 in-app purchases, starting at $2.99 per month and Gist Money sells 17 in-app purchases, starting at $2.99 per 7 days. Whichever you choose, the download price is not the number that matters.

Gist Money holds the better App Store score, 4.3 against 3.9. Both are backed by a comparable volume of ratings — 37 and 48 respectively. Written reviews complicate that: 78% of Total Return's written reviews are positive against 76% of Gist Money's, so the app with the better star average is not the one people write more warmly about.

Total Return ships an update every 2 months, Gist Money weekly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Total Return | Gist Money |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (37 ratings)](https://appshunter.io/ios/app/total-return/id376104825/reviews) | **[4.3 (48 ratings)](https://appshunter.io/ios/app/gist-money-expense-tracker/id1590852070/reviews)** |
| Number of ratings | 37 | **48** |
| Positive reviews | **78.0% of reviews** | 75.9% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 21 MB | 92 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Nagotek LLC](https://appshunter.io/developer/6823410046) | [Amit Mohan](https://appshunter.io/developer/1590852072) |

## What reviewers say

### Total Return

[App page](https://appshunter.io/ios/app/total-return/id376104825)

This app helps investors track their stock and ETF performance. It calculates total return, including gains, losses, dividends, and commissions, and provides annualized rates of return. Users can monitor their investment bottom line and compare performance.

**Highlights:** Calculates total investment return, Calculates annualized rate of return (CAGR), Tracks realized and unrealized gains/losses, Includes dividends and commissions, Shows current investment value and daily changes, Supports dividend reinvestment, Automated quote updates

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited access | $2.99 | per month |
| Unlimited access | $29.99 | per year |

**What reviewers like**

- 🚀 Quick portfolio monitoring
- 👍 Easy to use
- 📈 Provides good overview
- 💰 Worth the subscription fee
- 📱 Usable on iPhone/iPad

**What reviewers complain about**

- 📉 Preferred stock symbols missing
- ❌ Mutual funds don't update price change
- 📝 Manual dividend entry is tedious
- 🔗 Lacks brokerage account linking
- 📊 Lacks simple graphs

**Reported bugs**

- Preferred stock symbols missing
- Mutual funds don't update price change
- Total return doesn't support mutual funds/ETFs
- App shuts down on iOS 5
- Inaccurate stock quotes

**Requested features**

- Ability to move stock holdings to different portfolios
- Auto dividend amount added to holdings
- Simple graphs for total return
- Link with individual brokerage accounts
- Automatic dividend entry


### Gist Money

[App page](https://appshunter.io/ios/app/gist-money-expense-tracker/id1590852070)

Master your budget, track expenses, and save more with this privacy-focused financial control app. It offers bill reminders, insightful analytics, and customizable tracking to help you understand spending habits and achieve financial goals.

**Highlights:** Privacy-focused data security, Easy budget creation and management, Insightful spending analytics, Bill tracking with due date reminders, Customizable tags and categories, Visual spend analysis with graphs

**Features:** macOS Compatibility

**In-app purchases (17)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $2.99 | per 7 days |
| Premium | $5.99 | per month |
| Premium | $5.99 | per month |
| Premium | $19.99 | per year |
| Premium | $19.99 | per year |
| Premium | $29.99 | per year |
| Premium | $39.99 | per year |
| Premium | $39.99 | per year |
| Premium | $39.99 | per year |
| Premium | $39.99 | per year |
| Pro | $59.99 | per year |
| Pro | $59.99 | per year |
| Premium (6 months) | $8.99 | one-time |
| Premium (12 months) | $15.99 | one-time |
| Unlimited Premium Access | $71.99 | one-time |
| Lifetime Premium | $71.99 | one-time |
| Lifetime Premium | $89.99 | one-time |


## Frequently asked questions

### Is Total Return free?

Total Return is free to download, with in-app purchases available.

### Is Gist Money free?

Gist Money is free to download, with in-app purchases available.

### Which has better reviews, Total Return or Gist Money?

Gist Money is rated higher. Total Return averages 3.9 out of 5 from 37 ratings, while Gist Money averages 4.3 from 48 ratings.

### Do Total Return or Gist Money have ads?

Neither Total Return nor Gist Money shows ads.

### Which is updated more often, Total Return or Gist Money?

Total Return ships an update every 2 months, and Gist Money weekly. Most recently, Total Return was updated on October 24, 2026 and Gist Money on October 25, 2026.

---

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