# TSP TIPS vs FERS Toolkit

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.

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.

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.

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

## The numbers

| Metric | TSP TIPS | FERS Toolkit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.3 (146 ratings)](https://appshunter.io/ios/app/tsp-tips/id728307716/reviews)** | [2.6 (49 ratings)](https://appshunter.io/ios/app/fers-toolkit/id1104498112/reviews) |
| Number of ratings | **146** | 49 |
| Positive reviews | **44.3% of reviews** | 27.3% of reviews |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | **Every 2 months** | Every 18 months |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Best chart rank | **#93** | — |
| Size | 16 MB | 9 MB |
| Requires iOS | 15.6 | **14.5** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Investry Analytics LLC](https://appshunter.io/developer/1675358116) | [Solution22 LLC](https://appshunter.io/developer/550887909) |

## What reviewers say

### TSP TIPS

[App page](https://appshunter.io/ios/app/tsp-tips/id728307716)

**Currently charting:** #93 Top Grossing · Finance (US App Store)

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

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| TSP TIPS Core - Monthly | $7.99 | per month |
| Mutual Fund Window TIPS 1month | $9.99 | per month |
| TSP TIPS Premium - Monthly | $15.99 | per month |
| TSP TIPS Core - Annual | $79.99 | per year |
| Mutual Fund Window TIPS 1 Year | $99.99 | per year |
| TSP TIPS Premium - Annual | $159.99 | per year |

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- App crashes frequently
- Login issues
- Feedback function not working
- Data input not saving
- Graphs not displaying correctly

**Requested features**

- 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


### FERS Toolkit

[App page](https://appshunter.io/ios/app/fers-toolkit/id1104498112)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*