Principal® vs LT Trust
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Principal®
Manage your retirement savings and financial goals from your mobile device. Track account balances, adjust contributions, and access educational resources to improve your financial confidence. Tools are available to help you assess your progress towards retirement.
- View account balances
- Roll over funds
- Change contributions
- Adjust investments
- Financial education resources
- Retirement Wellness Score
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Keep up with your financial goals on the go. The updated Principal® app makes it easy to keep on top of your retirement savings and gain insights to help you reach your financial goals. Download and use the app to: • Complete simple transactions and quick check-ins: view account balances, roll over funds, change contributions, adjust investments, and more • Discover financial education to help build your confidence and make progress in budgeting, saving, debt payoff, and more • Learn from tools like our personalized Retirement Wellness Score to see how you’re tracking toward your retirement goals • Find your insurance information The availability of information and functionality will vary depending on your plan type(s). To make changes not available on the app, visit principal.com. Some screens may contain more information than is illustrated in the samples. This document is intended to be educational in nature and is not intended to be taken as a recommendation. Insurance products and plan administrative services provided through Principal Life Insurance Co., a member of the Principal Financial Group®, Des Moines, IA 50392. Visit our online privacy policy at https://www.principal.com/privacy-policies © 2025 Principal Financial Services, Inc. 3729939-072024
LT Trust
Manage your retirement plan by accessing key details like your current balance and investment choices. Stay informed about your financial future with easy-to-view account information.
- View account balance
- Check investment elections
- Access important account information
- Retirement plan management
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Access your LT Trust retirement plan account to view important information such as your account balance and investment elections.
Screenshots
Verdict
The clearest difference is rating: Principal® at 4.8 against LT Trust's 2.0. Principal® also leads on review sentiment (32% vs 0%) and update cadence (every 2 weeks vs every 7 months). LT Trust's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (11.0 vs 16.4). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
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 2.0. That said, the two scores are not equally well evidenced: Principal® has 239K ratings behind it against 15, so its average is the more settled of the two. Written reviews point the same way: 32% of Principal®'s written reviews are positive against 0% of LT Trust's.
Principal® ships an update every 2 weeks, LT Trust every 7 months. The most recent releases landed on October 23, 2026 and October 18, 2026 respectively.
| Parameter | Principal® | LT Trust |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (239K ratings) — better | 2.0 (15 ratings) |
| Positive reviews | 32.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 239K — better | 15 |
| Update frequency | Every 2 weeks — better | Every 7 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Best chart rank | #117 — better | — |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Requires iOS | 16.4 | 11.0 — better |
| Further details — not scored | ||
| Size | 105 MB | 21 MB |
| Age rating | 4+ | 4+ |
| Developer | Principal Financial Group | LT Trust |
Customer experience
Principal®
LT Trust
Bugs and requests
Principal®
Reported bugs
4 issues- 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
4 requests- Improved transaction history and reporting
- Ability to deposit checks via the app
- More customization options for the dashboard
- Seamless integration with other financial accounts
LT Trust
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Principal®
No in-app purchases
LT Trust
No in-app purchases
Questions
Is Principal® free?
Is LT Trust free?
Which has better reviews, Principal® or LT Trust?
Do Principal® or LT Trust have ads?
Which is updated more often, Principal® or LT Trust?
Other comparisons
