# Voya vs Empower ®

The clearest difference is monetization model: Voya at free against Empower ®'s free with in-app purchases. Empower ®'s advantage is chart position (#43 vs #167). On price, rating, review sentiment and ratings volume there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.7 for Voya against 4.8 for Empower ®. Both are backed by a comparable volume of ratings — 190K and 422K respectively. Written reviews are what separate them: 24% of Voya's written reviews are positive against 18% of Empower ®'s.

Both ship on a similar rhythm, roughly fortnightly. Both last shipped on October 27, 2026.

## The numbers

| Metric | Voya | Empower ® |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (190K ratings)](https://appshunter.io/ios/app/voya/id492157058/reviews) | **[4.8 (422K ratings)](https://appshunter.io/ios/app/empower/id1001257338/reviews)** |
| Number of ratings | 190K | **422K** |
| Positive reviews | **23.8% of reviews** | 17.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | #167 | **#43** |
| Size | 138 MB | 480 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Voya Services Company](https://appshunter.io/developer/490636997) | [Empower Retirement, LLC](https://appshunter.io/developer/1001257337) |

## What reviewers say

### Voya

[App page](https://appshunter.io/ios/app/voya/id492157058)

**Currently charting:** #167 Top Free · Finance (US App Store)

Manage your entire financial life from one secure app. Track retirement, health savings, and investment accounts, alongside external banking and credit card information. Receive personalized guidance and access interactive tools to help you achieve your financial goals.

**Highlights:** All-in-one account aggregation, Personalized financial guidance, Retirement income modeling, Secure data protection, Workplace benefits insights, Healthcare expense tracking

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Intuitive user interface
- 🔒 Robust security features
- 💡 Retirement planning tools
- 👍 User-friendly navigation

**What reviewers complain about**

- 🐛 Frequent app crashes and system unavailability
- 👎 Lack of transparency in account details
- 🕰️ Slow performance and loading times
- 📊 Limited investment performance history

**Reported bugs**

- Login issues with Face ID/Touch ID
- Inability to access account details and transactions
- Inconsistent app behavior across iOS versions

**Requested features**

- Ability to view monthly/quarterly investment performance
- Option to customize contribution limits
- Improved fund lookup and research tools
- Enhanced portfolio tracking and analytics


### Empower ®

[App page](https://appshunter.io/ios/app/empower/id1001257338)

**Currently charting:** #43 Top Free · Finance (US App Store)

This app provides a comprehensive financial overview, consolidating all your accounts in one place. It offers tools to plan for retirement, manage budgets, track net worth, and simulate financial scenarios, making financial management clearer and simpler.

**Highlights:** Consolidated account view, Retirement planning, Budget tracking, Net worth tracking, Investment advice access, Financial scenario simulation

**Features:** macOS Compatibility, Siri integration, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Good product overall
- 🚀 Sleek design and robust performance
- 🔒 Excellent customer service and support

**What reviewers complain about**

- 🐛 Buggy and unreliable app
- ⏱️ Slow loading times
- 🤔 Missing key features and functionality
- 🤯 Confusing and unintuitive navigation
- 💻 Forced to use app instead of website

**Reported bugs**

- Face ID/Touch ID not working consistently
- Beneficiary information not displaying correctly
- Crashes when trying to view balance over time
- Unable to enter correct birth dates for beneficiaries

**Requested features**

- Ability to view investment performance history
- Option to enter dollar amounts instead of just percentages
- Faster and more reliable login process
- Restore access to self-directed brokerage accounts
- Provide a way to submit feedback and suggestions within the app


## Frequently asked questions

### Is Voya free?

Voya is free to download, with no in-app purchases.

### Is Empower ® free?

Empower ® is free to download, with no in-app purchases.

### Which has better reviews, Voya or Empower ®?

Empower ® is rated higher. Voya averages 4.7 out of 5 from 190K ratings, while Empower ® averages 4.8 from 422K ratings.

### Do Voya or Empower ® have ads?

Neither Voya nor Empower ® shows ads.

### Which is updated more often, Voya or Empower ®?

Voya ships an update fortnightly, and Empower ® fortnightly. Most recently, Voya was updated on October 27, 2026 and Empower ® on October 27, 2026.

### Which is more popular, Voya or Empower ®?

Voya currently peaks at #167 in the App Store charts, and Empower ® at #43. Chart position reflects recent download velocity rather than total install base.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*