Comparison

Live Oak Bank vs FutureNest

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

Head to head
About

Live Oak Bank

Manage your finances with this FDIC-insured online bank. Access your accounts, deposit checks, move money, and view statements securely. Enjoy competitive rates and excellent customer service through a fast and accessible mobile app.

Highlights
  • Manage profile and account names
  • Check balances and transaction history
  • Move money between accounts
  • Deposit multiple checks
  • Manage savings and CD disbursements
  • View and download statements
Features
Read full description

Live Oak Bank offers competitive interest rates, no monthly maintenance fees, and a fast and secure connection to your other bank accounts. Enjoy the ease and accessibility of an FDIC insured online bank with unparalleled customer service. Our mobile app is another way we help our customers achieve more. Mobile banking features • Manage your profile and account names • Check balances and search transaction history • Move Money • Deposit multiple checks at one time • Manage Savings and CD interest disbursements • Manage CD maturity options • View and download account statements and tax documents • Manage users on the account • Open your account through the app • Manage your external accounts Live Oak Bank’s mobile banking app is secure, simple, and fast. You can access a real-time view of your finances and manage your account online. 1. Live Oak Bank is a member of the Federal Deposit Insurance Corporation (FDIC). As a Live Oak Bank customer, your Live Oak Bank deposits are insured by the FDIC up to $250,000 per depositor for each account ownership category. © 2021 LIVE OAK BANKING COMPANY. ALL RIGHTS RESERVED. MEMBER FDIC. EQUAL HOUSING LENDER.

About

FutureNest

This app provides a personalized retirement roadmap, projecting your future balance based on your savings and goals. It allows you to compare scenarios, find your earliest retirement age, and learn key financial concepts without jargon or subscriptions.

Highlights
  • Personalized retirement roadmap
  • Real-time balance projections
  • Compare multiple retirement scenarios
  • Project earliest retirement age
  • Learn retirement concepts
  • Secure iCloud syncing
Features
Read full description

Retirement is coming. The question is whether you'll be ready. FutureNest turns retirement planning into a clear, personal roadmap built around your life, your goals, and your numbers. No financial jargon. No spreadsheets. No subscription. See Exactly Where You Stand Know instantly whether you're on track, ahead of schedule, or need to adjust, and by exactly how much. FutureNest projects your retirement balance in real time from your savings, contributions, and investment strategy, and breaks down what your target is actually made of. Free, and Genuinely Useful The planner is free. Build a plan, track up to four accounts, read your projection chart and key numbers, update your balances as they change, and count down to the day. No ads, no trial, no time limit. What's In A Plan - Set individual growth rates per account for a more accurate projection - See how your retirement location changes your real cost of living, across 178 places worldwide - Include Social Security on the real SSA claiming schedule, or leave it out and see what that adds to your target - Find out the earliest age you could actually retire - Count down the exact days until your retirement date - Learn key retirement concepts built right into the app FutureNest Pro - The What-If Sandbox: change a contribution, a return rate, or a retirement age and watch the answer move, then apply it to your plan - Unlimited plans, so "retire at 60" and "retire at 67" can sit side by side on one scale and be read against each other - Unlimited tracked accounts - Duplicate a plan and adjust the copy One purchase, yours forever. No subscription, ever. Bought FutureNest before it went free? Pro is already yours. Your Data, Your Device No ads. No servers storing your financial data. FutureNest syncs securely through your personal iCloud, the same way Apple syncs your contacts and photos. Built For Real People Whether you're 25 and just starting out or 45 and reassessing, FutureNest meets you where you are. No finance background required. FutureNest is a projection and estimation tool for informational purposes only. It does not constitute financial advice. All projections are based on assumptions and hypothetical scenarios. Actual results will vary. Consult a qualified financial advisor before making investment or retirement decisions.

Screenshots

Live Oak Bank4 screens
FutureNest4 screens

Verdict

The call

The clearest difference is review sentiment: FutureNest at 100% against Live Oak Bank's 17%. FutureNest also leads on rating (5.0 vs 2.3) and update cadence (every 5 days vs every 2 months). Live Oak Bank's advantage is monetization model (free vs paid) and ratings volume (140 vs 7). 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.

ReceptionRating · Positive reviews · Number of ratings

FutureNest holds the better App Store score, 5.0 against 2.3. That said, the two scores are not equally well evidenced: Live Oak Bank has 140 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 17% of Live Oak Bank's written reviews are positive against 100% of FutureNest's.

UpkeepUpdate frequency

Live Oak Bank ships an update every 2 months, FutureNest every 5 days. The most recent releases landed on November 7, 2026 and October 31, 2026 respectively.

Scorecard5 real differences · 5 level
Live Oak Bank versus FutureNest: the parameters behind the verdict, then further details
ParameterLive Oak BankFutureNest
PriceFreeFree
Rating2.3 (140 ratings)5.0 (7 ratings) — better
Positive reviews16.7% of reviews100.0% of reviews — better
Number of ratings140 — better7
Update frequencyEvery 2 monthsEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterPaid
DevicesiPhoneiPhone, iPad — better
Requires iOS16.0 — better17.0
Further details — not scored
Size69 MB6 MB
Age rating4+4+
DeveloperLive Oak BankChristopher Donoso

Customer experience

Live Oak Bank

All ratings139 ratings
Positive27.3%
Neutral3.6%
Negative69.1%
Written reviews72 reviews
Positive16.7%
Neutral6.9%
Negative76.4%

FutureNest

All ratings7 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Live Oak Bank

Reported bugs

20 issues
  • Mobile deposit feature consistently fails
  • App freezes during check deposit photos
  • Login issues (username/password incorrect, Face ID/Touch ID not working, account locked)
  • App agreement submission button becomes unresponsive
  • App hangs after front photo during check deposit
Show 15 more
  • QuickBooks support is buggy with missing transactions
  • App crashes frequently
  • App is constantly down or unavailable for maintenance
  • Biometric login (Face ID, Touch ID) not working reliably
  • App not remembering login credentials
  • App not compatible with Mint
  • App crashes when photographing checks
  • App only works in portrait mode
  • Mobile check deposit feature crashes after turning off warnings
  • Enrollment process is buggy and cumbersome
  • Recent updates require frequent Face ID setup
  • App does not send required codes for signup
  • Cannot log in after enrollment, stuck in enrollment loop
  • App does not work on iPad
  • Deposits on hold for 3-5 days

Requested features

5 requests
  • Dark mode integration
  • Add total balance for all accounts
  • Improve Face ID/Touch ID reliability
  • Fix QuickBooks integration
  • Add landscape mode and iPad view

FutureNest

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Live Oak Bank

No in-app purchases

None

FutureNest

No in-app purchases

Questions

Is Live Oak Bank free?
Live Oak Bank is free to download, with no in-app purchases.
Is FutureNest free?
FutureNest is free to download, with no in-app purchases.
Which has better reviews, Live Oak Bank or FutureNest?
FutureNest is rated higher. Live Oak Bank averages 2.3 out of 5 from 140 ratings, while FutureNest averages 5.0 from 7 ratings.
Do Live Oak Bank or FutureNest have ads?
Neither Live Oak Bank nor FutureNest shows ads.
Which is updated more often, Live Oak Bank or FutureNest?
Live Oak Bank ships an update every 2 months, and FutureNest every 5 days. Most recently, Live Oak Bank was updated on November 7, 2026 and FutureNest on October 31, 2026.

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