Comparison

Inspira Mobile™ vs Principal®

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

Head to head
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.

About

Principal®

Manage your retirement savings and financial goals from your mobile device. Track account balances, adjust contributions, and access educational resources to improve your financial confidence. Tools are available to help you assess your progress towards retirement.

Highlights
  • View account balances
  • Roll over funds
  • Change contributions
  • Adjust investments
  • Financial education resources
  • Retirement Wellness Score
Features
Currently charting
Read full description

Keep up with your financial goals on the go. The updated Principal® app makes it easy to keep on top of your retirement savings and gain insights to help you reach your financial goals. Download and use the app to: • Complete simple transactions and quick check-ins: view account balances, roll over funds, change contributions, adjust investments, and more • Discover financial education to help build your confidence and make progress in budgeting, saving, debt payoff, and more • Learn from tools like our personalized Retirement Wellness Score to see how you’re tracking toward your retirement goals • Find your insurance information The availability of information and functionality will vary depending on your plan type(s). To make changes not available on the app, visit principal.com. Some screens may contain more information than is illustrated in the samples. This document is intended to be educational in nature and is not intended to be taken as a recommendation. Insurance products and plan administrative services provided through Principal Life Insurance Co., a member of the Principal Financial Group®, Des Moines, IA 50392. Visit our online privacy policy at https://www.principal.com/privacy-policies © 2025 Principal Financial Services, Inc. 3729939-072024

Screenshots

Inspira Mobile™4 screens
Principal®4 screens

Verdict

The call

The clearest difference is rating: Principal® at 4.8 against Inspira Mobile™'s 4.3. Principal® also leads on review sentiment (32% vs 7%) and chart position (#134 vs unranked). 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

Principal® holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: Principal® has 239K ratings behind it against 41K, so its average is the more settled of the two. Written reviews point the same way: 7% of Inspira Mobile™'s written reviews are positive against 32% of Principal®'s.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 weeks. Both last shipped on October 26, 2026.

Scorecard4 real differences · 7 level
Inspira Mobile™ versus Principal®: the parameters behind the verdict, then further details
ParameterInspira Mobile™Principal®
PriceFreeFree
Rating4.3 (41K ratings)4.8 (239K ratings) — better
Positive reviews7.1% of reviews32.3% of reviews — better
Number of ratings41K239K — better
Update frequencyEvery 2 weeksEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank—#134 — better
DevicesiPhone, iPadiPhone, iPad, Apple Watch — better
Requires iOS16.0 — better16.4
Further details — not scored
Size75 MB105 MB
Age rating12+4+
DeveloperInspira Financial Health, Inc.Principal Financial Group

Customer experience

Inspira Mobile™

All ratings36,980 ratings
Positive82.2%
Neutral4.3%
Negative13.5%
Written reviews674 reviews
Positive7.1%
Neutral3.6%
Negative89.3%

Principal®

All ratings238,897 ratings
Positive95.9%
Neutral1.9%
Negative2.2%
Written reviews325 reviews
Positive32.3%
Neutral8.3%
Negative59.4%

User reviews

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

Principal®

From 239K App Store ratings

What we love

  • 🚀 Easy to use
  • 👍 Convenient mobile access
  • 💡 Helpful investment tools
  • 🔒 Secure login process

Room to improve

  • 🐛 Frequent crashes and bugs
  • ⏱️ Slow and laggy performance
  • 📊 Lacking key account information
  • 🤔 Confusing navigation and UI

Bugs and requests

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

Principal®

Reported bugs

4 issues
  • Unable to change contribution rates
  • Inconsistent login and logout functionality
  • Rollover check deposit not working as advertised
  • Certain account details not displaying properly

Requested features

4 requests
  • Improved transaction history and reporting
  • Ability to deposit checks via the app
  • More customization options for the dashboard
  • Seamless integration with other financial accounts

In-app purchases

None

Inspira Mobile™

No in-app purchases

None

Principal®

No in-app purchases

Questions

Is Inspira Mobile™ free?
Inspira Mobile™ is free to download, with no in-app purchases.
Is Principal® free?
Principal® is free to download, with no in-app purchases.
Which has better reviews, Inspira Mobile™ or Principal®?
Principal® is rated higher. Inspira Mobile™ averages 4.3 out of 5 from 41K ratings, while Principal® averages 4.8 from 239K ratings.
Do Inspira Mobile™ or Principal® have ads?
Neither Inspira Mobile™ nor Principal® shows ads.
Which is updated more often, Inspira Mobile™ or Principal®?
Inspira Mobile™ ships an update every 2 weeks, and Principal® every 2 weeks. Most recently, Inspira Mobile™ was updated on October 26, 2026 and Principal® on October 26, 2026.

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