# My Retirement vs SpendCaddie

The clearest difference is in-app purchases: My Retirement at none against SpendCaddie's 2. SpendCaddie's advantage is update cadence (every 4 days vs monthly) and iOS requirement (15.1 vs 17). On price, ads and device support there is nothing between them.

Both are free to download. SpendCaddie sells 2 in-app purchases, starting at $9.99 per month. My Retirement asks for nothing beyond the download.

My Retirement ships an update monthly, SpendCaddie every 4 days. The most recent releases landed on October 28, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | My Retirement | SpendCaddie |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (24K ratings)](https://appshunter.io/ios/app/my-retirement/id1470333203/reviews)** | — |
| Number of ratings | **24K** | — |
| Positive reviews | 48.6% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 4 days** |
| Monetization | Free | — |
| Size | 48 MB | 59 MB |
| Requires iOS | 17 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Nationwide Mutual Insurance](https://appshunter.io/developer/1319471084) | [SpendCaddie](https://appshunter.io/developer/1880263911) |

## What reviewers say

### My Retirement

[App page](https://appshunter.io/ios/app/my-retirement/id1470333203)

Access your employer-sponsored retirement plan on the go. View account balances, asset breakdowns, and manage contributions. Plan your retirement readiness with integrated financial planning tools.

**Highlights:** Account balance viewing, Asset class breakdowns, Contribution management, Active loan viewing, Retirement readiness assessment, Fingerprint/facial recognition login

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

**In-app purchases:** none

**What reviewers like**

- 👍 Helpful and knowledgeable agents
- 🚀 Quick and easy to use
- 🔒 Secure and confident experience

**What reviewers complain about**

- 🐛 Clunky and buggy app
- 🔍 Limited functionality compared to website
- ⚠️ Frequent update issues

**Reported bugs**

- Login and update issues
- Crashes and freezes
- Unreliable and inconsistent performance

**Requested features**

- Improved navigation and UI
- Real-time investment tracking
- Ability to manage accounts and settings


### SpendCaddie

[App page](https://appshunter.io/ios/app/spendcaddie/id6759698921)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendCaddie Pro Monthly | $9.99 | per month |
| SpendCaddie Pro Annual | $99.99 | per year |


## Frequently asked questions

### Is My Retirement free?

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

### Is SpendCaddie free?

SpendCaddie is free to download, with in-app purchases available.

### Do My Retirement or SpendCaddie have ads?

Neither My Retirement nor SpendCaddie shows ads.

### Which is updated more often, My Retirement or SpendCaddie?

My Retirement ships an update monthly, and SpendCaddie every 4 days. Most recently, My Retirement was updated on October 28, 2026 and SpendCaddie 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.*