# Finstery vs Tip Calc

The clearest difference is ads: Finstery at none against Tip Calc's shown. Tip Calc's advantage is update cadence (every 4 weeks vs every 2 months) and iOS requirement (17.0 vs 26.0). On price, rating, ratings volume and in-app purchases there is nothing between them.

Both are free to download. Finstery sells 1 in-app purchase, starting at $9.99 per month and Tip Calc sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Finstery against 5.0 for Tip Calc. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

Finstery ships an update every 2 months, Tip Calc every 4 weeks. The most recent releases landed on October 13, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | Finstery | Tip Calc |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/finstery/id6757093872/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/tip-calc-tracker/id6757855396/reviews) |
| Number of ratings | 1 | 1 |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 4 weeks** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 8 MB | 14 MB |
| Requires iOS | 26.0 | **17.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Nicholas Summers](https://appshunter.io/developer/1143547879) | [DUMITRU BUMBU](https://appshunter.io/developer/1868107712) |

## What reviewers say

### Finstery

[App page](https://appshunter.io/ios/app/finstery/id6757093872)

This app helps DIY investors and those nearing retirement stress-test their financial plans. It simulates portfolio performance using historical data and Monte Carlo analysis to visualize risk and uncertainty, aiding in the creation of resilient retirement strategies.

**Highlights:** Portfolio creation, Historical backtesting, Monte Carlo simulations, Safe withdrawal rate analysis, Inflation and volatility simulation

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Finstery Pro Access | $9.99 | per month |


### Tip Calc

[App page](https://appshunter.io/ios/app/tip-calc-tracker/id6757855396)

Easily calculate and track your tipping habits with a modern interface. Features include customizable percentages, bill splitting, and detailed statistics. Save and categorize your tips across various services.

**Highlights:** Quick tip calculations, Customizable percentages, Bill splitting, Tip tracking and categorization, Weekly, monthly, yearly statistics, Multi-currency support, Export and import tip history

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Support | $0.99 | per month |
| Small Coffee | $0.99 | one-time |
| Large Coffee | $2.99 | one-time |


## Frequently asked questions

### Is Finstery free?

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

### Is Tip Calc free?

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

### Which has better reviews, Finstery or Tip Calc?

Finstery and Tip Calc are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.

### Do Finstery or Tip Calc have ads?

Tip Calc shows ads; Finstery does not.

### Which is updated more often, Finstery or Tip Calc?

Finstery ships an update every 2 months, and Tip Calc every 4 weeks. Most recently, Finstery was updated on October 13, 2026 and Tip Calc on October 18, 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.*