Comparison

MassMutual vs SpendWatch

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

MassMutual

Manage your life insurance and retirement accounts conveniently from your mobile device. Handle payments, review balances, access policy information, and update beneficiaries all in one place.

Highlights
  • Manage life insurance and retirement accounts
  • Handle payments and premiums
  • Review account balances and policy info
  • View and manage beneficiaries
  • Request policy loans
  • Access paperless documentation
  • Set up recurring payments
Features
Read full description

Download the MassMutual app to manage your life insurance and retirement account details in one place and on-the-go: you can handle payments, review balances, pay down premiums, review policy info, and much more! With the MassMutual app, you can: • See your MassMutual detailed policy information, including policy bill, tax and annual statements • Navigate account details with ease, using intuitive navigation and enhanced user interface • View and manage your beneficiary information • Request a cash loan on your life insurance policy • Stay organized with paperless documentation • Manage payments with self-service transactions • Make a one-time secure online payment • Pay down the loan principal on life insurance products • View and pay multiple premium bills and loan interest • Set up recurring payments • View billing and payment details, including payment history Please note that in order to use the MassMutual app, you’ll need to have an account or policy with MassMutual.  Registration is a few easy steps. If you are already registered on MassMutual.com or with the MassMutual app, you can login with the same username and password.

About

SpendWatch

Features
Read full description

Isn't tapping a phone or credit card way too easy? Do you ever look at your bank account at the end of the month wondering where all you're money goes? SpendWatch introduces a little friction in the spending process, bringing your finances to the front of mind. Simply create expense categories with an allotted budget, then as you make purchases, log them in the app. With charting and other tools, this app allows you to watch your spending over time. Do you have shared finances with your partner? SpendWatch allows users to link together to enter expenses onto a shared ledger. Now you can track your household budget all in one place. Visit https://spend-watch.com for more information.

Screenshots

MassMutual4 screens
SpendWatch3 screens

Verdict

The call

The clearest difference is update cadence: MassMutual at monthly against SpendWatch's every 3 months. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

MassMutual ships an update monthly, SpendWatch every 3 months. The most recent releases landed on October 20, 2026 and May 14, 2026 respectively.

Scorecard1 real difference · 9 level
MassMutual versus SpendWatch: the parameters behind the verdict, then further details
ParameterMassMutualSpendWatch
PriceFreeFree
Rating4.8 (6K ratings) — better—
Positive reviews20.3% of reviews—
Number of ratings6K — better—
Update frequencyMonthly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better16.0
Further details — not scored
Size134 MB52 MB
Age rating4+17+
DeveloperMassMutualRW Software Solutions LLC

Bugs and requests

MassMutual

Reported bugs

4 issues
  • Greyed-out save button for bank info
  • Repeated input required to save bank account
  • App freezes or crashes
  • Account information not available

Requested features

4 requests
  • Add support for landscape mode on iPad
  • Improve facial recognition
  • Restore web access
  • Allow adding multiple family members

SpendWatch

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MassMutual

No in-app purchases

None

SpendWatch

No in-app purchases

Questions

Is MassMutual free?
MassMutual is free to download, with no in-app purchases.
Is SpendWatch free?
SpendWatch is free to download, with no in-app purchases.
Do MassMutual or SpendWatch have ads?
Neither MassMutual nor SpendWatch shows ads.
Which is updated more often, MassMutual or SpendWatch?
MassMutual ships an update monthly, and SpendWatch every 3 months. Most recently, MassMutual was updated on October 20, 2026 and SpendWatch on May 14, 2026.

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