# Smart Pension vs Track My Pension

The clearest difference is rating: Smart Pension at 5.0 against Track My Pension's 1.9. Smart Pension also leads on review sentiment (29% vs 5%) and update cadence (every 5 weeks vs every 3 months). Track My Pension's advantage is ratings volume (19 vs 6). 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.

Smart Pension holds the better App Store score, 5.0 against 1.9. Both are backed by a comparable volume of ratings — 6 and 19 respectively. Written reviews point the same way: 29% of Smart Pension's written reviews are positive against 5% of Track My Pension's.

Smart Pension ships an update every 5 weeks, Track My Pension every 3 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Smart Pension | Track My Pension |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (6 ratings)](https://appshunter.io/ios/app/smart-pension/id1293678839/reviews)** | [1.9 (19 ratings)](https://appshunter.io/ios/app/track-my-pension/id1501347312/reviews) |
| Number of ratings | 6 | **19** |
| Positive reviews | **28.9% of reviews** | 5.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 91 MB | 21 MB |
| Requires iOS | **17.0** | 18.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Smart Pension Limited](https://appshunter.io/developer/1293678838) | [Towers Watson Limited](https://appshunter.io/developer/470851419) |

## What reviewers say

### Smart Pension

[App page](https://appshunter.io/ios/app/smart-pension/id1293678839)

Manage your workplace pension savings with ease. Track your fund's performance in real-time, adjust contributions, and explore investment options. Access exclusive discounts and customer support directly from your phone.

**Highlights:** Real-time pension balance tracking, Investment fund selection, Contribution level adjustments, Enhanced security features (Face ID, Touch ID), Access to exclusive discounts, Live chat customer support

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 💡 Pension calculator helpful
- 📈 Up-to-date values
- 📱 Convenient mobile access
- 💻 Can do same as computer

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐛 App not loading
- 🐛 Login issues
- 🐛 App freezes
- 🐛 Basic functionalities not working

**Reported bugs**

- App crashes shortly after launch
- App never lets you update details
- Cannot log into the app after recent update
- App or website will not load
- Stuck on loading screen

**Requested features**

- Show profit or loss on investment
- Receive notification for new contribution
- Improve app design and UI
- Implement in-app form for pension transfers
- Add dark mode


### Track My Pension

[App page](https://appshunter.io/ios/app/track-my-pension/id1501347312)

Easily monitor your defined contribution pension managed by Willis Towers Watson. View account balances, investment details, and projected retirement benefits directly from your mobile device. Secure login options include Touch ID, Face ID, or a PIN.

**Highlights:** View Investment Overview, Add multiple pension accounts, View Investment Decisions, View Unit Price History, View Transactions, View Projected Benefits

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

**In-app purchases:** none

**What reviewers like**

- 👍 Good when it works
- 👍 Easy to login via work portal
- 👍 High level information displayed
- 👍 Tracks pension month to month
- 👍 Uses Face ID after setup

**What reviewers complain about**

- 🐛 Crashes frequently
- 🐛 Slow performance
- 🐛 Unstable and unusable
- 🐛 Login issues
- 🐛 System down for maintenance

**Reported bugs**

- App down for 2 days
- New version won't let you sign in without QR code or new password
- Website takes you round a loop
- Down for 3 days for maintenance
- System down for maintenance for 5 days

**Requested features**

- Bring back the old app
- Improve user experience
- Update the app to make it fit for purpose
- Rebuild the app
- Sort out the problems


## Frequently asked questions

### Is Smart Pension free?

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

### Is Track My Pension free?

Track My Pension is free to download, with no in-app purchases.

### Which has better reviews, Smart Pension or Track My Pension?

Smart Pension is rated higher. Smart Pension averages 5.0 out of 5 from 6 ratings, while Track My Pension averages 1.9 from 19 ratings.

### Do Smart Pension or Track My Pension have ads?

Neither Smart Pension nor Track My Pension shows ads.

### Which is updated more often, Smart Pension or Track My Pension?

Smart Pension ships an update every 5 weeks, and Track My Pension every 3 months. Most recently, Smart Pension was updated on November 1, 2026 and Track My Pension on November 3, 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.*