# BenefitsForYou vs Principal®

The clearest difference is rating: Principal® at 4.8 against BenefitsForYou's 1.6. Principal® also leads on review sentiment (32% vs 4%) and ratings volume (241K vs 258). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Principal® holds the better App Store score, 4.8 against 1.6. That said, the two scores are not equally well evidenced: Principal® has 241K ratings behind it against 258, so its average is the more settled of the two. Written reviews point the same way: 4% of BenefitsForYou's written reviews are positive against 32% of Principal®'s.

BenefitsForYou ships an update every 2 months, Principal® every 2 weeks. The most recent releases landed on November 11, 2026 and November 14, 2026 respectively.

## The numbers

| Metric | BenefitsForYou | Principal® |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.6 (258 ratings)](https://appshunter.io/ios/app/benefitsforyou/id1167154112/reviews) | **[4.8 (241K ratings)](https://appshunter.io/ios/app/principal/id1433961188/reviews)** |
| Number of ratings | 258 | **241K** |
| Positive reviews | 4.3% of reviews | **32.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Best chart rank | — | **#120** |
| Size | 4 MB | 105 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | iPhone, iPod | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [CMFG LIFE INSURANCE COMPANY](https://appshunter.io/developer/600890568) | [Principal Financial Group](https://appshunter.io/developer/442790612) |

## What reviewers say

### 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


### Principal®

[App page](https://appshunter.io/ios/app/principal/id1433961188)

**Currently charting:** #120 Top Free · Finance (US App Store)

Manage retirement savings and achieve financial goals with easy transactions and personalized insights. Access educational resources, track progress with tools like the Retirement Wellness Score, and find insurance information.

**Highlights:** View account balances, Roll over funds, Change contributions, Adjust investments, Financial education resources, Retirement Wellness Score, Insurance information access

**Features:** Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 👍 Convenient mobile access
- 💡 Helpful investment tools
- 🔒 Secure login process

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⏱️ Slow and laggy performance
- 📊 Lacking key account information
- 🤔 Confusing navigation and UI

**Reported bugs**

- Unable to change contribution rates
- Inconsistent login and logout functionality
- Rollover check deposit not working as advertised
- Certain account details not displaying properly

**Requested features**

- Improved transaction history and reporting
- Ability to deposit checks via the app
- More customization options for the dashboard
- Seamless integration with other financial accounts


## Frequently asked questions

### Is BenefitsForYou free?

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

### Is Principal® free?

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

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

Principal® is rated higher. BenefitsForYou averages 1.6 out of 5 from 258 ratings, while Principal® averages 4.8 from 241K ratings.

### Do BenefitsForYou or Principal® have ads?

Neither BenefitsForYou nor Principal® shows ads.

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

BenefitsForYou ships an update every 2 months, and Principal® every 2 weeks. Most recently, BenefitsForYou was updated on November 11, 2026 and Principal® on November 14, 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.*