# Track My Pension vs PayStream Umbrella

The clearest difference is review sentiment: PayStream Umbrella at 14% against Track My Pension's 5%. PayStream Umbrella also leads on iOS requirement (15.1 vs 18.0). On price, update cadence, 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.

Track My Pension ships an update every 3 months, PayStream Umbrella every 2 months. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Track My Pension | PayStream Umbrella |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.9 (19 ratings)](https://appshunter.io/ios/app/track-my-pension/id1501347312/reviews)** | — |
| Number of ratings | **19** | — |
| Positive reviews | 5.0% of reviews | **14.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 21 MB | 40 MB |
| Requires iOS | 18.0 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Towers Watson Limited](https://appshunter.io/developer/470851419) | [PayStream](https://appshunter.io/developer/541569321) |

## What reviewers say

### 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


### PayStream Umbrella

[App page](https://appshunter.io/ios/app/paystream-umbrella/id6443721768)

Manage your contracting employment with real-time payment updates, payslip downloads, and personal detail management. Submit timesheets, track holiday pay, and access important documents like contracts and P60s. Get support via in-app chat and refer colleagues for bonuses.

**Highlights:** Real-time payment updates, Downloadable payslips, Update personal details, In-app messenger support, Timesheet submission, Holiday pay claims, View employment documents

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Track My Pension free?

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

### Is PayStream Umbrella free?

PayStream Umbrella is free to download, with no in-app purchases.

### Do Track My Pension or PayStream Umbrella have ads?

Neither Track My Pension nor PayStream Umbrella shows ads.

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

Track My Pension ships an update every 3 months, and PayStream Umbrella every 2 months. Most recently, Track My Pension was updated on November 3, 2026 and PayStream Umbrella on October 30, 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.*