# IRA Financial vs Insperity 401k

The clearest difference is review sentiment: IRA Financial at 67% against Insperity 401k's 14%. IRA Financial also leads on rating (3.9 vs 1.7) and update cadence (every 3 weeks vs every 10 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.

IRA Financial holds the better App Store score, 3.9 against 1.7. Both are backed by a comparable volume of ratings — 41 and 15 respectively. Written reviews point the same way: 67% of IRA Financial's written reviews are positive against 14% of Insperity 401k's.

IRA Financial ships an update every 3 weeks, Insperity 401k every 10 months. The most recent releases landed on October 15, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | IRA Financial | Insperity 401k |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (41 ratings)](https://appshunter.io/ios/app/ira-financial/id1442477372/reviews)** | [1.7 (15 ratings)](https://appshunter.io/ios/app/insperity-401k/id1663009238/reviews) |
| Number of ratings | **41** | 15 |
| Positive reviews | **66.7% of reviews** | 14.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 10 months |
| Monetization | Free | Free |
| Size | 63 MB | 24 MB |
| Requires iOS | **17.0** | 17.6 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [IRA Financial Trust](https://appshunter.io/developer/1442477371) | [Insperity, Inc.](https://appshunter.io/developer/674606952) |

## What reviewers say

### IRA Financial

[App page](https://appshunter.io/ios/app/ira-financial/id1442477372)

Manage your self-directed retirement accounts, explore diverse investment options like real estate and crypto, and access expert resources. Stay informed with real-time alerts and secure transactions to take control of your financial future.

**Highlights:** Account management, Diverse investment options, Secure transactions, Real-time alerts, Expert resources, View balances and history

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

**In-app purchases:** none


### Insperity 401k

[App page](https://appshunter.io/ios/app/insperity-401k/id1663009238)

Access your 401(k) account details and plan information on the go. View balances, contributions, rates of return, and loan information. Stay informed about plan news and alerts with secure access.

**Highlights:** View account balances, Check current rate of return, Monitor contribution rates, Review loan balances, Access plan news and alerts, Secure mobile access

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

**In-app purchases:** none


## Frequently asked questions

### Is IRA Financial free?

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

### Is Insperity 401k free?

Insperity 401k is free to download, with no in-app purchases.

### Which has better reviews, IRA Financial or Insperity 401k?

IRA Financial is rated higher. IRA Financial averages 3.9 out of 5 from 41 ratings, while Insperity 401k averages 1.7 from 15 ratings.

### Do IRA Financial or Insperity 401k have ads?

Neither IRA Financial nor Insperity 401k shows ads.

### Which is updated more often, IRA Financial or Insperity 401k?

IRA Financial ships an update every 3 weeks, and Insperity 401k every 10 months. Most recently, IRA Financial was updated on October 15, 2026 and Insperity 401k on October 17, 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.*