Total Return vs Money Target
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Total Return
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.
- 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
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How much have your stock and ETF investments really earned, after every purchase, sale, dividend, split and commission? And what is your annualized return, so you can tell whether investing beat leaving the money in the bank? Total Return answers both. Like other portfolio trackers, it shows what your holdings are worth today. It also calculates your total return, the bottom line of your investing: realized and unrealized gains and losses, plus dividends, minus commissions. And it shows your annualized rate of return (CAGR) for each position, each portfolio and overall. Enter your trades once and see how you've done over the years. Add your own free Tiingo API key and Total Return keeps quotes up to date, so every time you open the app you see your total return, how much it changed today and what your holdings are worth. Stop guessing. Know your Total Return. FEATURES - Total return that includes purchases, sales, dividends, commissions and splits - Annualized return (CAGR), calculated with the Internal Rate of Return (IRR) method - Total return, CAGR and value for every position, every portfolio and overall - Net Cash at Risk: how much of your own money is still invested after sales and dividends - Today's change for your holdings, positions and stocks - Useful stats: Most Changed Today, Best Total Return, Best CAGR and Highest Value - Track cash in your portfolios - Enter what you know about a trade and the rest is calculated for you - Move a position, with all its trades, to another portfolio - Dividend reinvestment - Automatic quote updates for most stocks and ETFs (requires your own Tiingo API key), or enter prices by hand - Protect your data with a passcode - Automatic backups on your device, with optional copies in your own iCloud Drive and a notice when a backup from your other device arrives - Share backups to Files, Mail, AirDrop or other apps, and open them in the app to restore - Export your data to CSV - Tips on every screen to help you get started - Light or dark appearance, or follow your device - Full iPad interface Your portfolio stays on your device, and in your own iCloud if you choose. There is no account to create and no ads. SUBSCRIPTION Total Return is free to download and offers an optional auto-renewing subscription, monthly or annual, that supports its ongoing development. Payment is charged to your Apple Account. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period, and you can manage or cancel it in your Apple Account settings. Terms of Use: https://nagotek.com/total-return-terms Privacy Policy: https://nagotek.com/total-return-privacy
Money Target
This app helps users achieve savings goals by categorizing expenses into essentials and lifestyle. It utilizes an ideal quota system to guide spending and saving habits, with a widget for easy progress tracking.
- Expense categorization (Essentials vs. Lifestyle)
- Ideal quota system (50/30/20)
- Savings goal setting
- Progress tracking widget
- iPad split screen support
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Money Target is designed to help you reach your savings goals without wasting your time. Unlike the other apps, Money Target splits your expenses between "Essentials" (loan, rent, bills, etc.) and "Lifestyle" (restaurants, clothes, cinema, etc.) To help you save money and enjoy your life, Money Target is based upon the innovative ideal quotas system: - 50% essential expenses - 30% lifestyle - 20% savings Just classify your incomes and expenses and that's it. With the widget you can check your progress without even opening the app! Are you dreaming of an holiday, a new iPhone or that new trendy bag? Just set your saving target and hit it with Money Target. Money Target supports iPad split screen feature and 3D Touch.
Screenshots
Verdict
The clearest difference is rating: Money Target at 5.0 against Total Return's 3.9. Money Target also leads on in-app purchases (none vs 2) and device support (4 vs 2). Total Return's advantage is ratings volume (37 vs 1). On price, review sentiment, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Total Return sells 2 in-app purchases, starting at $2.99 per month. Money Target asks for nothing beyond the download.
Money Target holds the better App Store score, 5.0 against 3.9. That said, the two scores are not equally well evidenced: Total Return has 37 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 78% and 79% positive.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on November 1, 2026 and October 24, 2026 respectively.
| Parameter | Total Return | Money Target |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (37 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 78.0% of reviews | 78.8% of reviews — better |
| Number of ratings | 37 — better | 1 |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod, Apple Watch — better |
| Requires iOS | 18.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 21 MB | 39 MB |
| Age rating | 4+ | 4+ |
| Developer | Nagotek LLC | Matteo Bertoldi |
Customer experience
Total Return
Money Target
Bugs and requests
Total Return
Reported bugs
7 issues- 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
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- Doesn't sync between devices
- No full-screen mode on new iPhones/iPods
Requested features
18 requests- 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
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- Mac store app
- Ability to set high and low alerts for stock prices
- Automatic dividend posting
- Sync with other financial apps and sites
- Sync between devices (iPhone/iPad)
- Automatic sync using Dropbox
- Import and export transactions from a spreadsheet
- Calculate weighted annualized return accounting for cash flows
- Support for options (calls/puts)
- Full-screen mode on new iPhones/iPods
- Track old ticker symbols based on date
- Input merger information
- Currency conversion for different currencies
Money Target
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Total Return
- Unlimited access$2.991 Month
- Unlimited access$29.991 Year
Money Target
No in-app purchases
Questions
Is Total Return free?
Is Money Target free?
Which has better reviews, Total Return or Money Target?
Do Total Return or Money Target have ads?
Which is updated more often, Total Return or Money Target?
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