# PlanFocus vs Zil.US

The clearest difference is review sentiment: PlanFocus at 67% against Zil.US's 0%. PlanFocus also leads on rating (3.6 vs 2.1). Zil.US's advantage is update cadence (every 2 weeks vs every 2 months). On price, ratings volume, 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.

PlanFocus holds the better App Store score, 3.6 against 2.1. Both are backed by a comparable volume of ratings — 8 and 10 respectively. Written reviews point the same way: 67% of PlanFocus's written reviews are positive against 0% of Zil.US's.

PlanFocus ships an update every 2 months, Zil.US every 2 weeks. The most recent releases landed on June 3, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | PlanFocus | Zil.US |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (8 ratings)](https://appshunter.io/ios/app/planfocus/id1239539738/reviews)** | [2.1 (10 ratings)](https://appshunter.io/ios/app/zilus/id1576803726/reviews) |
| Number of ratings | 8 | **10** |
| Positive reviews | **66.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 57 MB | 51 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Teachers Insurance and Annuity Association America](https://appshunter.io/developer/341447600) | [onlinecheckwriter](https://appshunter.io/developer/1473071594) |

## 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


### Zil.US

[App page](https://appshunter.io/ios/app/zilus/id1576803726)

This app offers a comprehensive online banking solution for businesses and individuals. It provides features like free checking accounts, early direct deposit, and tools for building credit. Manage your finances with secure, modern banking tools and no hidden fees.

**Highlights:** Free business/personal checking accounts, Early direct deposit, Credit builder tool, Fee-free ACH and wire transfers, Instant and physical Visa cards, Card management with custom limits, Two-factor authentication

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PlanFocus free?

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

### Is Zil.US free?

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

### Which has better reviews, PlanFocus or Zil.US?

PlanFocus is rated higher. PlanFocus averages 3.6 out of 5 from 8 ratings, while Zil.US averages 2.1 from 10 ratings.

### Do PlanFocus or Zil.US have ads?

Neither PlanFocus nor Zil.US shows ads.

### Which is updated more often, PlanFocus or Zil.US?

PlanFocus ships an update every 2 months, and Zil.US every 2 weeks. Most recently, PlanFocus was updated on June 3, 2026 and Zil.US on September 21, 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.*