# RetIQ vs Trips Expense

The clearest difference is iOS requirement: Trips Expense at 18.0 against RetIQ's 26.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. RetIQ sells 1 one-off in-app purchase and Trips Expense sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

RetIQ ships an update every 5 days, Trips Expense every 3 days. The most recent releases landed on October 17, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | RetIQ | Trips Expense |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/retiq/id6760243375/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 days | **Every 3 days** |
| Monetization | Free with in-app purchases | — |
| Size | 8 MB | 42 MB |
| Requires iOS | 26.0 | **18.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [RetIQ Studio LLC](https://appshunter.io/developer/1883428642) | [Chi Yu Cheng](https://appshunter.io/developer/1896654870) |

## What reviewers say

### RetIQ

[App page](https://appshunter.io/ios/app/retiq/id6760243375)

This app helps you plan your retirement income by modeling complex financial interactions like Social Security timing, Roth conversions, and tax-aware withdrawal strategies. It performs all calculations locally to ensure your financial data remains private and secure on your device.

**Highlights:** Private, local financial data processing, Social Security timing and spousal benefits, Roth conversion optimization, Tax-aware drawdown strategies, Survivor and legacy planning, Medicare IRMAA surcharge modeling, Monte Carlo simulations

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| RetIQ Full | $69.99 | one-time |


### Trips Expense

[App page](https://appshunter.io/ios/app/trips-expense/id6769398965)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $3.99 | per month |
| Pro Annual | $19.99 | per year |


## Frequently asked questions

### Is RetIQ free?

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

### Is Trips Expense free?

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

### Do RetIQ or Trips Expense have ads?

Neither RetIQ nor Trips Expense shows ads.

### Which is updated more often, RetIQ or Trips Expense?

RetIQ ships an update every 5 days, and Trips Expense every 3 days. Most recently, RetIQ was updated on October 17, 2026 and Trips Expense on October 3, 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.*