Insperity 401k vs xBill
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Insperity 401k
Access your 401(k) account details and plan information on the go. View balances, contributions, rates of return, and loan information. Stay informed about plan news and alerts with secure access.
- View account balances
- Check current rate of return
- Monitor contribution rates
- Review loan balances
- Access plan news and alerts
- Secure mobile access
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The Insperity Retirement App is a read-only app that lets you view your 401(k) account and current plan information any time from your iPhone®, iPad® or iPod touch®. For online transactions, visit the Retirement Service Center. VIEW YOUR 401(k) ACCOUNT •Account balances and recent contributions •Current rate of return •Contribution rates •Loan balances STAY UP-TO-DATE ON CHANGES •Check plan news and alerts GET SECURE ACCESS Your account’s security is important to us. That’s why we ask that you do two things before using the Insperity Retirement App: 1.Make sure that you have created a unique user ID and password for the Insperity Retirement Service CenterSM before you log in using your mobile device. You can do this by logging in to the Retirement Service Center and changing your user ID and password under the Security tab of the My Information page. 2.The first time you log in using your mobile device, you will be asked to register your device through the Retirement Service Center. Once you have registered your device, you can begin using the app to check your 401(k) account at any time. If you have trouble logging in, contact the Insperity 401(k) Contact Center at 888-401-5273 or click Insperity Retirement Support (link provided) to access the mobile app user`s guide. There is no charge from Insperity Retirement Services to download the Insperity Retirement App. However, rates from your wireless carrier may apply.
xBill
Easily manage shared expenses with friends, roommates, and family. Create groups, track who owes whom, and settle up with integrated payment options. This app simplifies group spending and keeps balances organized.
- Create and manage groups
- Add and scan receipts
- Split costs equally or manually
- Track balances and debts
- Settle up with payment handles
- Organize shared spending
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xBill helps friends, roommates, families, and travel groups split shared expenses clearly. Create groups, add expenses, scan receipts, split costs equally or manually, track who owes whom, and settle up with payment handles. xBill keeps balances organized across groups and friends so shared spending is easier to manage.
Screenshots
Verdict
The clearest difference is rating: xBill at 5.0 against Insperity 401k's 1.7. xBill also leads on update cadence (every 4 days vs every 10 months). Insperity 401k's advantage is ratings volume (15 vs 1). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
xBill holds the better App Store score, 5.0 against 1.7. That said, the two scores are not equally well evidenced: Insperity 401k has 15 ratings behind it against 1, so its average is the more settled of the two.
Insperity 401k ships an update every 10 months, xBill every 4 days. The most recent releases landed on October 17, 2026 and October 16, 2026 respectively.
| Parameter | Insperity 401k | xBill |
|---|---|---|
| Price | Free | Free |
| Rating | 1.7 (15 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 14.3% of reviews | — |
| Number of ratings | 15 — better | 1 |
| Update frequency | Every 10 months | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 17.6 | 17.0 — better |
| Further details — not scored | ||
| Size | 24 MB | 7 MB |
| Age rating | 17+ | 4+ |
| Developer | Insperity, Inc. | Vijay Goyal |
Customer experience
Insperity 401k
xBill
In-app purchases
Insperity 401k
No in-app purchases
xBill
No in-app purchases









