# TSP TIPS vs HarborLight CU Earn & Learn

The clearest difference is in-app purchases: HarborLight CU Earn & Learn at none against TSP TIPS's 6. TSP TIPS's advantage is chart position (#98 vs unranked). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. TSP TIPS sells 6 in-app purchases, starting at $7.99 per month. HarborLight CU Earn & Learn asks for nothing beyond the download.

TSP TIPS ships an update every 2 months, HarborLight CU Earn & Learn every 3 months. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | TSP TIPS | HarborLight CU Earn & Learn |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.3 (146 ratings)](https://appshunter.io/ios/app/tsp-tips/id728307716/reviews)** | — |
| Number of ratings | **146** | — |
| Positive reviews | 44.3% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free with in-app purchases | — |
| Best chart rank | **#98** | — |
| Size | 16 MB | 100 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Investry Analytics LLC](https://appshunter.io/developer/1675358116) | [HarborLight Credit Union](https://appshunter.io/developer/1616177384) |

## What reviewers say

### TSP TIPS

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

**Currently charting:** #98 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


### HarborLight CU Earn & Learn

[App page](https://appshunter.io/ios/app/harborlight-cu-earn-and-learn/id6758351881)

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

**In-app purchases:** none


## Frequently asked questions

### Is TSP TIPS free?

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

### Is HarborLight CU Earn & Learn free?

HarborLight CU Earn & Learn is free to download, with no in-app purchases.

### Do TSP TIPS or HarborLight CU Earn & Learn have ads?

Neither TSP TIPS nor HarborLight CU Earn & Learn shows ads.

### Which is updated more often, TSP TIPS or HarborLight CU Earn & Learn?

TSP TIPS ships an update every 2 months, and HarborLight CU Earn & Learn every 3 months. Most recently, TSP TIPS was updated on October 29, 2026 and HarborLight CU Earn & Learn on October 28, 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.*