# Pensions By Penfold vs SJP

The clearest difference is review sentiment: Pensions By Penfold at 76% against SJP's 17%. Pensions By Penfold also leads on iOS requirement (15.0 vs 17.0). SJP's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, 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.

Pensions By Penfold ships an update every 6 weeks, SJP every 2 months. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Pensions By Penfold | SJP |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | **76.1% of reviews** | 17.4% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 23 MB | 116 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Penfold](https://appshunter.io/developer/1489598369) | [St. James's Place](https://appshunter.io/developer/1603646084) |

## What reviewers say

### Pensions By Penfold

[App page](https://appshunter.io/ios/app/pensions-by-penfold/id1503716125)

Manage your retirement savings with an intuitive platform that simplifies pension transfers and contributions. Easily track down old pensions, make flexible payments, and choose from various investment funds. Get expert support and transparent fees for a confident financial future.

**Highlights:** Transfer old pensions for free, Find lost pensions, Flexible contributions, Multiple investment funds, Low transparent fees, Expert customer support

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use and understand
- 👍 Flexible payments for self-employed
- 👍 Good information and options
- 👍 Simple and stress-free choices
- 👍 Helps find and consolidate other pensions

**What reviewers complain about**

- 🐛 App doesn't work / navigation buttons don't work
- 🐛 Cannot click dashboard, growth, activity, profile
- 🐛 Impossible to log in for existing accounts
- 🐛 High fees
- 🐛 Lengthy, broken, painful process to move out

**Reported bugs**

- App navigation buttons not working
- Cannot click on dashboard, growth, activity, profile
- No login option for existing users, only sign-up
- App treats existing users as new customers
- Customer service response times are slow

**Requested features**

- Update the app to fix navigation issues
- Add a login option for existing users
- Improve app UI and add more detail
- Two-factor authentication


### SJP

[App page](https://appshunter.io/ios/app/sjp/id1608216081)

Manage your investments with a secure and user-friendly mobile application. Track the performance of your pension, ISAs, and bonds, view current investment values, and access expert insights and personal documents.

**Highlights:** Biometric sign-in, Real-time investment values, Performance tracking (pension, ISAs, bonds), Fund breakdown details, Expert insights, Personal document library

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Pensions By Penfold free?

Pensions By Penfold is free to download, with no in-app purchases.

### Is SJP free?

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

### Do Pensions By Penfold or SJP have ads?

Pensions By Penfold shows ads; SJP does not.

### Which is updated more often, Pensions By Penfold or SJP?

Pensions By Penfold ships an update every 6 weeks, and SJP every 2 months. Most recently, Pensions By Penfold was updated on November 3, 2026 and SJP on November 7, 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.*