Comparison

TSP TIPS vs FERS Toolkit

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

Head to head
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.

About

FERS Toolkit

Plan your federal retirement with ease. This tool provides eligibility information, allows you to select a retirement date, and estimates your annuity. Create multiple profiles to compare scenarios and generate a retirement planning certificate.

Highlights
  • Eligibility information
  • Retirement date selection
  • Estimated annuity calculation
  • Multiple profile comparison
  • Retirement planning certificate
  • High-3 salary calculator
Features
Read full description

FERS is a simple to use retirement planning tool for federal employees. The app provides you with eligibility information, lets you choose a retirement date, and calculates your estimated annuity. You can create multiple profiles to compare and contrast different scenarios to help you make important life decisions. For fun, rotate your device to view and share with your coworkers your retirement planning certificate. Also includes a quick calculator for high-3 salaries.

Screenshots

TSP TIPS4 screens
FERS Toolkit4 screens

Verdict

The call

The clearest difference is rating: TSP TIPS at 3.3 against FERS Toolkit's 2.6. TSP TIPS also leads on ads (none vs shown) and update cadence (every 2 months vs every 18 months). FERS Toolkit's advantage is in-app purchases (none vs 6). On price, ratings volume, device support and iOS requirement 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 TIPS sells 6 in-app purchases, starting at $7.99 per month. FERS Toolkit asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

TSP TIPS holds the better App Store score, 3.3 against 2.6. Both are backed by a comparable volume of ratings — 146 and 49 respectively. Written reviews point the same way: 44% of TSP TIPS's written reviews are positive against 27% of FERS Toolkit's.

UpkeepUpdate frequency

TSP TIPS ships an update every 2 months, FERS Toolkit every 18 months. Both last shipped on October 24, 2026.

Scorecard7 real differences · 4 level
TSP TIPS versus FERS Toolkit: the parameters behind the verdict, then further details
ParameterTSP TIPSFERS Toolkit
PriceFreeFree
Rating3.3 (146 ratings) — better2.6 (49 ratings)
Positive reviews44.3% of reviews — better27.3% of reviews
Number of ratings146 — better49
Update frequencyEvery 2 months — betterEvery 18 months
AdsNo — betterYes
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesAd-supported — better
Best chart rank#89 — better—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.614.5 — better
Further details — not scored
Size16 MB9 MB
Age rating4+4+
DeveloperInvestry Analytics LLCSolution22 LLC

Customer experience

TSP TIPS

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

FERS Toolkit

All ratings45 ratings
Positive28.9%
Neutral17.8%
Negative53.3%
Written reviews33 reviews
Positive27.3%
Neutral9.1%
Negative63.6%

Bugs and requests

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

FERS Toolkit

Not enough reviews yet to summarise bugs or requests.

In-app purchases

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
None

FERS Toolkit

No in-app purchases

Questions

Is TSP TIPS free?
TSP TIPS is free to download, with in-app purchases available.
Is FERS Toolkit free?
FERS Toolkit is free to download, with no in-app purchases.
Which has better reviews, TSP TIPS or FERS Toolkit?
TSP TIPS is rated higher. TSP TIPS averages 3.3 out of 5 from 146 ratings, while FERS Toolkit averages 2.6 from 49 ratings.
Do TSP TIPS or FERS Toolkit have ads?
FERS Toolkit shows ads; TSP TIPS does not.
Which is updated more often, TSP TIPS or FERS Toolkit?
TSP TIPS ships an update every 2 months, and FERS Toolkit every 18 months. Most recently, TSP TIPS was updated on October 24, 2026 and FERS Toolkit on October 24, 2026.

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