Comparison

TIAA vs Inspira Mobile®

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

Head to head
About

TIAA

Manage your retirement and brokerage accounts securely with this app. Monitor investments, track fund performance, and trade equities, ETFs, and mutual funds. Set financial goals and access support tools.

Highlights
  • Secure login (password, Touch ID, Face ID)
  • Investment and retirement plan management
  • Brokerage trading (equities, ETFs, mutual funds)
  • Financial goal monitoring
  • Peek View for portfolio balances
  • Access to support and statements
  • Apple Watch integration
Features
Read full description

Manage your retirement and brokerage accounts using the TIAA mobile app. The app provides quick and secure access to all your TIAA finances and puts 100 years of top money management into the palm of your hand. The TIAA mobile app includes: • Security: Use your password, Touch ID, or Face ID to log in • Investment and retirement plan management: Monitor your account activity, contributions, and asset allocation; transfer money between funds in your retirement plan, fund a new brokerage account and track fund performance. • Brokerage trading: Buy and sell equities, ETFs, and mutual funds. • Goals: Monitor savings to achieve your financial goals. • Peek View: View your total portfolio and balances without logging in. • Contact TIAA & Support: Contact a professional or have quick access to all of our support tools and services, view tax forms and other statements. • Apple Watch: View your total portfolio and balances from your wrist. TIAA Brokerage, a division of TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC, distributes securities. Brokerage accounts are carried by Pershing, LLC, a subsidiary of The Bank of New York Mellon Corporation, Member FINRA, NYSE, SIPC. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations.

About

Inspira Mobile®

Manage your health, wealth, and benefit accounts in real-time. This app offers easy control over your savings, reimbursements, and payments. It also features a scanner to check product eligibility for your plans.

Highlights
  • Manage health savings accounts (HSA)
  • Manage flexible spending accounts (FSA)
  • Request reimbursement
  • Pay providers
  • Deposit funds
  • Eligible Expense Scanner
  • Secure login options
Features
Read full description

Inspira Financial is a provider of health, wealth, retirement, and benefits solutions. The Inspira app helps you take care of your benefits with ease. Whether you’re checking a balance, requesting reimbursement, or making a payment, everything is designed to be clear, quick, and easy to use with fewer taps and less guesswork. Built to save you time • Quick and secure login to get you right to what matters • Simplified dashboard that shows your balances, activity, and common tasks • Request reimbursement faster and get clear status updates • Move through the app with ease thanks to improved navigation and core features • Stay informed with timely alerts when action is needed Supports the benefits you have with Inspira • health savings account (HSA) • health care flexible spending account (FSA) • dependent care flexible spending account (FSA) • limited purpose flexible spending account (FSA) • health reimbursement arrangement (HRA) • lifestyle spending account (LSA) • commuter benefits • COBRA • direct billing At Inspira Financial, we’re committed to making benefits easier to access, understand, and manage. Every improvement to the app is shaped by user feedback and built to support you so you can feel confident in every step you take. Download the app for free and manage your benefits with confidence.

Screenshots

TIAA4 screens
Inspira Mobile®4 screens

Verdict

The call

The clearest difference is review sentiment: TIAA at 35% against Inspira Mobile®'s 7%. TIAA also leads on monetization model (free vs free with in-app purchases) and rating (4.6 vs 4.3). Inspira Mobile®'s advantage is ratings volume (41K vs 8.3K). On price, update cadence, ads and in-app purchases 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

TIAA holds the better App Store score, 4.6 against 4.3. Both are backed by a comparable volume of ratings — 8.3K and 41K respectively. Written reviews point the same way: 35% of TIAA's written reviews are positive against 7% of Inspira Mobile®'s.

UpkeepUpdate frequency

TIAA ships an update monthly, Inspira Mobile® every 2 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

Scorecard4 real differences · 6 level
TIAA versus Inspira Mobile®: the parameters behind the verdict, then further details
ParameterTIAAInspira Mobile®
PriceFreeFree
Rating4.6 (8.3K ratings) — better4.3 (41K ratings)
Positive reviews35.0% of reviews — better7.1% of reviews
Number of ratings8.3K41K — better
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.0 — better16.4
Further details — not scored
Size166 MB88 MB
Age rating4+12+
DeveloperTIAAInspira Financial Health, Inc.

Customer experience

TIAA

All ratings8,315 ratings
Positive91.0%
Neutral3.1%
Negative6.0%
Written reviews320 reviews
Positive35.0%
Neutral18.1%
Negative46.9%

Inspira Mobile®

All ratings40,758 ratings
Positive82.7%
Neutral4.0%
Negative13.2%
Written reviews705 reviews
Positive7.1%
Neutral3.4%
Negative89.5%

User reviews

TIAA

From 8.3K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient access to accounts
  • 🔒 Secure with Face ID/Touch ID
  • 💡 Helpful for tracking investments

Room to improve

  • 🐛 Buggy and glitchy
  • 🔍 Difficult to navigate
  • 🔍 Missing key features from website
  • 🔍 Cluttered and unintuitive UI

Inspira Mobile®

From 41K App Store ratings

What we love

  • 📱 Intuitive and user-friendly app
  • 🔍 Helpful features like receipt scanning
  • 💳 Convenient way to manage FSA/HSA accounts

Room to improve

  • 🐛 Frequent crashes and bugs
  • 🔒 Unreliable login and authentication
  • 🕰️ Slow and unresponsive performance
  • 🤔 Confusing and inconsistent UI
  • 📄 Difficult to submit and manage claims

Bugs and requests

TIAA

Reported bugs

4 issues
  • Login issues and session expiration
  • Inconsistent display of account information
  • Unreliable check deposit functionality
  • Compatibility problems on certain devices

Requested features

5 requests
  • Add dark mode option
  • Improve performance and stability
  • Provide more customization options
  • Streamline navigation and information access
  • Integrate more advanced investment tools

Inspira Mobile®

Reported bugs

4 issues
  • App frequently crashes or becomes unresponsive
  • Login process is unreliable and requires repeated authentication
  • Submitted claims and documents often disappear or get lost
  • Inconsistent behavior between app and website

Requested features

4 requests
  • Improve login and authentication experience
  • Allow direct photo/document uploads without conversion
  • Provide better visibility into claim status and history
  • Integrate with more healthcare providers and services

In-app purchases

None

TIAA

No in-app purchases

None

Inspira Mobile®

No in-app purchases

Questions

Is TIAA free?
TIAA is free to download, with no in-app purchases.
Is Inspira Mobile® free?
Inspira Mobile® is free to download, with no in-app purchases.
Which has better reviews, TIAA or Inspira Mobile®?
TIAA is rated higher. TIAA averages 4.6 out of 5 from 8.3K ratings, while Inspira Mobile® averages 4.3 from 41K ratings.
Do TIAA or Inspira Mobile® have ads?
Neither TIAA nor Inspira Mobile® shows ads.
Which is updated more often, TIAA or Inspira Mobile®?
TIAA ships an update monthly, and Inspira Mobile® every 2 weeks. Most recently, TIAA was updated on October 29, 2026 and Inspira Mobile® on October 30, 2026.

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