# Principal® vs LT Trust

The clearest difference is rating: Principal® at 4.8 against LT Trust's 1.9. 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.

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 1.9. That said, the two scores are not equally well evidenced: Principal® has 239K ratings behind it against 16, 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. Both last shipped on October 24, 2026.

## The numbers

| Metric | Principal® | LT Trust |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (239K ratings)](https://appshunter.io/ios/app/principal/id1433961188/reviews)** | [1.9 (16 ratings)](https://appshunter.io/ios/app/lt-trust/id1487445735/reviews) |
| Number of ratings | **239K** | 16 |
| Positive reviews | **32.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 7 months |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#126** | — |
| Size | 105 MB | 21 MB |
| Requires iOS | 16.4 | **11.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Principal Financial Group](https://appshunter.io/developer/442790612) | [LT Trust Company](https://appshunter.io/developer/1487445733) |

## What reviewers say

### Principal®

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

**Currently charting:** #126 Top Free · Finance (US App Store)

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.

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

**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


### LT Trust

[App page](https://appshunter.io/ios/app/lt-trust/id1487445735)

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.

**Highlights:** View account balance, Check investment elections, Access important account information, Retirement plan management

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Principal® free?

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

### Is LT Trust free?

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

### Which has better reviews, Principal® or LT Trust?

Principal® is rated higher. Principal® averages 4.8 out of 5 from 239K ratings, while LT Trust averages 1.9 from 16 ratings.

### Do Principal® or LT Trust have ads?

Neither Principal® nor LT Trust shows ads.

### Which is updated more often, Principal® or LT Trust?

Principal® ships an update every 2 weeks, and LT Trust every 7 months. Most recently, Principal® was updated on October 24, 2026 and LT Trust on October 24, 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.*