# Empower ® vs BenefitsForYou

The clearest difference is rating: Empower ® at 4.8 against BenefitsForYou's 1.6. Empower ® also leads on ratings volume (425K vs 257) and update cadence (fortnightly vs every 2 months). BenefitsForYou's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Empower ® holds the better App Store score, 4.8 against 1.6. That said, the two scores are not equally well evidenced: Empower ® has 425K ratings behind it against 257, so its average is the more settled of the two. Written reviews point the same way: 18% of Empower ®'s written reviews are positive against 4% of BenefitsForYou's.

Empower ® ships an update fortnightly, BenefitsForYou every 2 months. The most recent releases landed on November 9, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Empower ® | BenefitsForYou |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (425K ratings)](https://appshunter.io/ios/app/empower/id1001257338/reviews)** | [1.6 (257 ratings)](https://appshunter.io/ios/app/benefitsforyou/id1167154112/reviews) |
| Number of ratings | **425K** | 257 |
| Positive reviews | **17.9% of reviews** | 4.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#57** | — |
| Size | 480 MB | 4 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Empower Retirement, LLC](https://appshunter.io/developer/1001257337) | [CMFG LIFE INSURANCE COMPANY](https://appshunter.io/developer/600890568) |

## What reviewers say

### Empower ®

[App page](https://appshunter.io/ios/app/empower/id1001257338)

**Currently charting:** #57 Top Free · Finance (US App Store)

This app provides a comprehensive financial overview, consolidating all your accounts in one place. It offers tools to plan for retirement, manage budgets, track net worth, and simulate financial scenarios, making financial management clearer and simpler.

**Highlights:** Consolidated account view, Retirement planning, Budget tracking, Net worth tracking, Investment advice access, Financial scenario simulation

**Features:** macOS Compatibility, Siri integration, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Good product overall
- 🚀 Sleek design and robust performance
- 🔒 Excellent customer service and support

**What reviewers complain about**

- 🐛 Buggy and unreliable app
- ⏱️ Slow loading times
- 🤔 Missing key features and functionality
- 🤯 Confusing and unintuitive navigation
- 💻 Forced to use app instead of website

**Reported bugs**

- Face ID/Touch ID not working consistently
- Beneficiary information not displaying correctly
- Crashes when trying to view balance over time
- Unable to enter correct birth dates for beneficiaries

**Requested features**

- Ability to view investment performance history
- Option to enter dollar amounts instead of just percentages
- Faster and more reliable login process
- Restore access to self-directed brokerage accounts
- Provide a way to submit feedback and suggestions within the app


### BenefitsForYou

[App page](https://appshunter.io/ios/app/benefitsforyou/id1167154112)

Manage your retirement savings and plan for your future with 24/7 app access. Monitor your 401k and other retirement accounts, track investment performance, and utilize a retirement income planning tool to project your future income and ensure it lasts a lifetime.

**Highlights:** 24/7 retirement account access, Monitor 401k and savings plans, Retirement income planning tool, Project future retirement income, View account balances and performance, Track transactions and statements

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

**In-app purchases:** none

**What reviewers like**

- 👍 Simple and easy to use
- 🔒 Fingerprint login

**What reviewers complain about**

- 🐛 Crashes on login
- 🐛 App not functioning after updates
- 🐛 Frequent crashes and freezes
- 🚫 App completely unusable

**Reported bugs**

- Crashes on login
- App not working after updates
- Freezes and crashes frequently

**Requested features**

- Improve app stability and reliability
- Add more functionality beyond just checking balances


## Frequently asked questions

### Is Empower ® free?

Empower ® is free to download, with no in-app purchases.

### Is BenefitsForYou free?

BenefitsForYou is free to download, with no in-app purchases.

### Which has better reviews, Empower ® or BenefitsForYou?

Empower ® is rated higher. Empower ® averages 4.8 out of 5 from 425K ratings, while BenefitsForYou averages 1.6 from 257 ratings.

### Do Empower ® or BenefitsForYou have ads?

Neither Empower ® nor BenefitsForYou shows ads.

### Which is updated more often, Empower ® or BenefitsForYou?

Empower ® ships an update fortnightly, and BenefitsForYou every 2 months. Most recently, Empower ® was updated on November 9, 2026 and BenefitsForYou on November 6, 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.*