# PlanFocus vs ZYNLO

The clearest difference is rating: ZYNLO at 4.2 against PlanFocus's 3.6. ZYNLO also leads on ratings volume (147 vs 8). PlanFocus's advantage is review sentiment (67% vs 51%). On price, update cadence, ads and in-app purchases there is nothing between them.

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

ZYNLO holds the better App Store score, 4.2 against 3.6. That said, the two scores are not equally well evidenced: ZYNLO has 147 ratings behind it against 8, so its average is the more settled of the two. Written reviews complicate that: 67% of PlanFocus's written reviews are positive against 51% of ZYNLO's, so the app with the better star average is not the one people write more warmly about.

PlanFocus ships an update every 2 months, ZYNLO every 5 weeks. The most recent releases landed on October 11, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | PlanFocus | ZYNLO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (8 ratings)](https://appshunter.io/ios/app/planfocus/id1239539738/reviews) | **[4.2 (147 ratings)](https://appshunter.io/ios/app/zynlo/id1490723885/reviews)** |
| Number of ratings | 8 | **147** |
| Positive reviews | **66.7% of reviews** | 51.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 57 MB | 138 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [TIAA](https://appshunter.io/developer/341447600) | [PeoplesBank](https://appshunter.io/developer/341442379) |

## What reviewers say

### PlanFocus

[App page](https://appshunter.io/ios/app/planfocus/id1239539738)

Manage your TIAA PlanFocus account on the go. Securely access participant information, approve or decline loans, and submit payroll. Stay informed with alerts and connect with your TIAA team.

**Highlights:** Participant information search, Loan approval/decline, Payroll remittance, TIAA team contact, Alert notifications

**Features:** macOS Compatibility

**In-app purchases:** none


### ZYNLO

[App page](https://appshunter.io/ios/app/zynlo/id1490723885)

This app helps you save and earn money by rounding up your debit card purchases and matching the difference. It also offers early access to your paycheck and high-yield accounts with no fees.

**Highlights:** Round up debit card purchases, Match savings roundups, Early payday access, High-yield checking and savings accounts, No monthly fees, Savings goals, Spending insights

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

**In-app purchases:** none


## Frequently asked questions

### Is PlanFocus free?

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

### Is ZYNLO free?

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

### Which has better reviews, PlanFocus or ZYNLO?

ZYNLO is rated higher. PlanFocus averages 3.6 out of 5 from 8 ratings, while ZYNLO averages 4.2 from 147 ratings.

### Do PlanFocus or ZYNLO have ads?

Neither PlanFocus nor ZYNLO shows ads.

### Which is updated more often, PlanFocus or ZYNLO?

PlanFocus ships an update every 2 months, and ZYNLO every 5 weeks. Most recently, PlanFocus was updated on October 11, 2026 and ZYNLO on October 16, 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.*