Comparison

TSP Funds vs TSP TIPS

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

TSP Funds

Access real-time Federal Government Thrift Savings Plan (TSP) fund performance data. View closing share prices, daily changes, and historical performance graphs. Receive daily notifications when a subscribed fund's price drops below a set threshold.

Highlights
  • Real-time fund performance data
  • Closing share price tracking
  • Price change and percent change
  • Historical performance graphs (30-day to 2-year)
  • Customizable price threshold alerts
  • Direct fund performance insights
Features
Read full description

Federal Government Thrift Savings Plan (TSP) fund performance data at your fingertips. You have immediate access to the closing share price data along with the price change and percent change for all the active TSP funds. Select a fund to see its 30-day, 6-month, 1-year, and 2-year fund performance graph. Not all TSP funds track synonymous with the stock market so this gives you direct fund performance where your investments lie. TSP Funds is not affiliated with any government agency. Monthly subscriptions will notify you each day the share price for a subscribed fund closes below an established threshold. A $0.99 payment for each monthly subscription will be charged to your iTunes Account at confirmation of purchase. Your subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Your iTunes Account will be charged $0.99 for each subscription for renewal within 24-hours prior to the end of the current period. Subscriptions may be managed and auto-renewal may be turned off by going to your iTunes Account Settings after purchase. Terms of Use - https://www.tspfunds.net/terms.html Privacy Policy - https://www.tspfunds.net/privacy.html

About

TSP TIPS

This app provides data-driven market analysis and recommendations to help you manage your TSP investments. It offers personalized strategies based on your risk tolerance and sends timely notifications to guide fund movements for growth and safety.

Highlights
  • Data-driven market analysis
  • Personalized risk tolerance settings
  • Investment recommendations
  • Weekly market summaries
  • Push notifications
  • Mutual Fund Window TIPS
Features
Currently charting
Read full description

*** Now available: Mutual Fund Window TIPS. Take advantage of the TSP Mutual Fund Window by utilizing our new TIPS service, and diversify your investment for more aggressive growth opportunities. Recommendations for the TSP Mutual Fund Window, as needed — usually about 6–7 times a year. *** TSP TIPS recommendations come from a data-driven strategy designed with downside risk in mind. We notify you when our analysis says you should move your funds, and where to move it to; it's that simple. • Market analysis to maximize growth and minimize risk • Accommodating for your own preferences for risk tolerance (conservative, aggressive or moderate) • Backed by 25+ years of research and development We'll send you weekly market summaries with a recommendation on whether or not to move your funds (and where to move them to). Notifications are pushed right to your phone and your inbox, and to additional email addresses if you like. Start getting TIPS today for about $8 a month. • $79.99 annually (less than $7 a month), or • $7.99 monthly All subscriptions are paid through iTunes at the time of purchase, and renew automatically within 24 hours prior to the end of the current subscription period. Auto-renewal will charge $79.99 for annual and $7.99 for monthly subscriptions. If you'd like to disable automatic renewal, you can do so at any time prior to the 24 hour period before the end of the subscription. This can be done by going to Settings -> iTunes and App Store, viewing your Apple ID and then tapping "Manage subscriptions". It is not possible to cancel an active subscription period. We believe everyone should be able to make informed, data-driven decisions about their TSP, and it shouldn't require a finance degree or deep pockets. Making it to retirement is harder than ever, and we'd love to help you get there. View our privacy policy and terms of use at https://www.tsptips.com/privacy.html.

Screenshots

TSP Funds3 screens
TSP TIPS4 screens

Verdict

The call

The clearest difference is rating: TSP TIPS at 3.3 against TSP Funds's 1.9. TSP TIPS also leads on ads (none vs shown) and review sentiment (44% vs 15%). On price, ratings volume, in-app purchases and monetization model 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. TSP Funds sells 15 in-app purchases, starting at $0.99 per month and TSP TIPS sells 6 in-app purchases, starting at $7.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

TSP TIPS holds the better App Store score, 3.3 against 1.9. Both are backed by a comparable volume of ratings — 94 and 146 respectively. Written reviews point the same way: 15% of TSP Funds's written reviews are positive against 44% of TSP TIPS's.

UpkeepUpdate frequency

TSP Funds ships an update every 14 months, TSP TIPS every 2 months. The most recent releases landed on October 15, 2026 and October 19, 2026 respectively.

Scorecard7 real differences · 4 level
TSP Funds versus TSP TIPS: the parameters behind the verdict, then further details
ParameterTSP FundsTSP TIPS
PriceFreeFree
Rating1.9 (94 ratings)3.3 (146 ratings) — better
Positive reviews15.0% of reviews44.3% of reviews — better
Number of ratings94146 — better
Update frequencyEvery 14 monthsEvery 2 months — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank—#102 — better
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS26.015.6 — better
Further details — not scored
Size4 MB16 MB
Age rating4+4+
DeveloperSolution22 LLCInvestry Analytics LLC

Customer experience

TSP Funds

All ratings94 ratings
Positive16.0%
Neutral5.3%
Negative78.7%
Written reviews60 reviews
Positive15.0%
Neutral3.3%
Negative81.7%

TSP TIPS

All ratings146 ratings
Positive55.5%
Neutral8.2%
Negative36.3%
Written reviews70 reviews
Positive44.3%
Neutral5.7%
Negative50.0%

User reviews

TSP Funds

From 94 App Store ratings

What we love

  • 👍 Good quick reference
  • 👍 Useful for years
  • 👍 Great tool for checking prices
  • 👍 Convenient daily rates
  • 👍 Tracks fund changes

Room to improve

  • 🐛 Inaccurate daily return data
  • 🐛 Incorrect fund prices
  • 🐛 Outdated app
  • 🐛 Data not updated regularly
  • 🐛 Misleading information

TSP TIPS

From 146 App Store ratings

What we love

  • 📈 Helps grow TSP accounts
  • 💡 Eliminates guesswork
  • ✅ Provides clear guidance
  • 💰 Pays for itself
  • 👍 Easy to use

Room to improve

  • 📉 Advice is often late
  • 💸 Leads to losses
  • ❌ Does not beat the market
  • 🐛 Buggy and dysfunctional
  • ⚠️ Auto-renewal issues

Bugs and requests

TSP Funds

Reported bugs

19 issues
  • I Fund index not updated
  • Daily return data incorrect
  • L2070 fund not included
  • Daily closing prices not reflective
  • C, S, I fund prices off
Show 14 more
  • C fund price reduction by 75%
  • I fund price 50% of reality
  • Fund values FUBAR
  • Share prices decreased over 50%
  • Error displaying C and G fund prices
  • Pricing information inaccurate
  • G fund data shown under F fund
  • Fund share amounts incorrect
  • C fund dropped -77%
  • C, S, I fund data swapped
  • C, S, I funds not reporting correct share price
  • App crashes after purchase
  • App frozen, no new prices without purchase
  • Overlapping text on iPhone X

Requested features

13 requests
  • Update I Fund index
  • Include L2070 fund
  • Fix daily closing prices
  • Add ability to log in
  • Add manual share entry
Show 8 more
  • Add historical prices
  • Add yields
  • Add current day performance
  • Add theoretical growth calculator
  • Allow organization of funds
  • Allow viewing past dates' closing values
  • Update to touch all buttons
  • Provide developer contact info

TSP TIPS

Reported bugs

10 issues
  • App crashes frequently
  • Login issues
  • Feedback function not working
  • Data input not saving
  • Graphs not displaying correctly
Show 5 more
  • App does not open
  • Google sign-in not working
  • Bug with updating account balance on smaller screens
  • Reset password function not working
  • App keeps crashing and cannot login

Requested features

9 requests
  • App to reflect new TSP website terms
  • More robust future planning calculators
  • Push notifications for new recommendations
  • Strategies for learning investors
  • iPad version of the app
Show 4 more
  • Past annual performance data
  • Graph smoothing for missing data
  • Option to specify traditional or Roth contributions
  • More frequent advice updates

In-app purchases

15 purchases

TSP Funds

Subscriptions15
  • L 2020$0.991 Month
  • L 2030$0.991 Month
  • L 2040$0.991 Month
Show 12 more
  • L 2050$0.991 Month
  • C Fund$0.991 Month
  • S Fund$0.991 Month
  • I Fund$0.991 Month
  • L 2025$0.991 Month
  • L 2045$0.991 Month
  • L 2055$0.991 Month
  • L 2060$0.991 Month
  • G Fund$0.991 Month
  • F Fund$0.991 Month
  • L Income$0.991 Month
  • L 2035$0.991 Month
6 purchases

TSP TIPS

Subscriptions6
  • TSP TIPS Core - Monthly$7.991 Month
  • Mutual Fund Window TIPS 1month$9.991 Month
  • TSP TIPS Premium - Monthly$15.991 Month
Show 3 more
  • TSP TIPS Core - Annual$79.991 Year
  • Mutual Fund Window TIPS 1 Year$99.991 Year
  • TSP TIPS Premium - Annual$159.991 Year

Questions

Is TSP Funds free?
TSP Funds is free to download, with in-app purchases available.
Is TSP TIPS free?
TSP TIPS is free to download, with in-app purchases available.
Which has better reviews, TSP Funds or TSP TIPS?
TSP TIPS is rated higher. TSP Funds averages 1.9 out of 5 from 94 ratings, while TSP TIPS averages 3.3 from 146 ratings.
Do TSP Funds or TSP TIPS have ads?
TSP Funds shows ads; TSP TIPS does not.
Which is updated more often, TSP Funds or TSP TIPS?
TSP Funds ships an update every 14 months, and TSP TIPS every 2 months. Most recently, TSP Funds was updated on October 15, 2026 and TSP TIPS on October 19, 2026.

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