TrueCost: Money Decisions
Rent, buy, invest & more
Free · Designed for iPad. Not verified for macOS.
Rent or buy? Annual or monthly subscription? Finance it or pay cash?
TrueCost turns any big money "what if" into a clear answer. Build two options side by side, set how long you want to look ahead, and see which one actually leaves you better off — all in today's money.
Compare any two money decisions
Each option is made of simple building blocks: income, expenses, investments, assets, and loans. That's enough to model almost any choice — rent vs buy a home, owning a car vs ride-hailing, leasing vs buying, paying cash vs financing, investing a lump sum vs buying property, or two investment strategies. TrueCost projects both and shows a dual net-worth chart, a verdict with the size of the gap, and exactly when one option overtakes the other.
Honest, inflation-adjusted numbers
Everything is shown in today's money, so a number 20 years out means what it sounds like. The rates you enter are treated as nominal and converted to real using each item's inflation — no inflated headline figures.
Start in seconds
Pick from ready-made presets — Salary, Rent, Index fund, Mortgage, Car, and more — then tweak the numbers to match your situation.
Built for real life
• Income, expenses, investments, assets, and loans
• Recurring or one-time items, with start and end dates
• Loan amortization and asset depreciation
• Multi-currency: set exchange and inflation rates per currency, or fetch live
rates
• Horizons from 6 months to 50 years
Private and free
No account. No sign-up. Your scenarios stay on your device.
TrueCost is a comparison and planning tool that uses clear, simplifying assumptions. It is not financial advice.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Fatih Kaan Salgir, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Fatih Kaan Salgir
- Size
- 6.1 MB
- Category
- Finance
- Compatibility
Requires iOS 26.1 or later.
- iPhone
Requires iOS 26.1 or later. - iPad
Requires iPadOS 26.1 or later. - Mac
Requires macOS 26.1 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 26.1 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 TrueCost