Comparison

Voya vs Principal®

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

Head to head
About

Voya

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
Currently charting
Read full description

Your financial life, connected and confident Experience a simpler way to manage your money anytime, anywhere. With the Voya mobile app, you get a comprehensive, secure, and personalized financial experience designed to help you stay on track for your future. • All-in-one access View and manage your retirement, health savings, and investment accounts in one place—alongside external accounts like checking, savings, and credit cards—for a complete picture of your financial life. • Personalized financial guidance Get tailored insights, goal tracking, and nudges to help you save more, pay off debt, plan for college, or prepare for retirement. • Interactive tools & resources Model retirement income with myOrangeMoney®, access video education, live chat support, and investment advice all designed to help you take confident action. • Secure and private Your data is protected with enhanced encryption, multi-factor authentication, biometric voice ID, and our S.A.F.E. guarantee. We never sell your personal information—ever. • Effortless experience Clean design and intuitive navigation make it easy to check balances, update contributions and beneficiaries, and manage your investments all while on the go. Plus, the entire app is also available in Spanish. • Benefits and healthcare insights If offered through your retirement or employee benefits plan, review your workplace benefits and savings options with personalized support, while also staying on top of your healthcare by tracking out-of-pocket expenses and receiving reminders for preventive care. Wherever life takes you, Voya goes with you. Log in today to experience your upgraded financial journey — personalized, secure, and built to help you retire with confidence. Current Voya Retire users will either seamlessly transition to the new experience through an automatic update or receive a prompt to update their app.

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

Voya4 screens
Principal®4 screens

Verdict

The call

The clearest difference is monetization model: Voya at free against Principal®'s free with in-app purchases. Principal®'s advantage is review sentiment (33% vs 24%). On price, rating, ratings volume and update cadence 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

On the App Store both sit at effectively the same score — 4.7 for Voya against 4.8 for Principal®. Both are backed by a comparable volume of ratings — 188K and 236K respectively. Written reviews are what separate them: 24% of Voya's written reviews are positive against 33% of Principal®'s.

UpkeepUpdate frequency

Voya ships an update fortnightly, Principal® every 8 days. Both last shipped on September 24, 2026.

Scorecard2 real differences · 9 level
Voya versus Principal®: the parameters behind the verdict, then further details
ParameterVoyaPrincipal®
PriceFreeFree
Rating4.7 (188K ratings)4.8 (236K ratings) — better
Positive reviews23.7% of reviews32.7% of reviews — better
Number of ratings188K236K — better
Update frequencyFortnightlyEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
Best chart rank#175#115 — better
DevicesiPhone, iPad, iPodiPhone, iPad, Apple Watch
Requires iOS15.0 — better16.4
Further details — not scored
Size138 MB106 MB
Age rating4+4+
DeveloperVoya Services CompanyPrincipal Financial Group

Customer experience

Voya

All ratings188,486 ratings
Positive93.9%
Neutral2.6%
Negative3.5%
Written reviews775 reviews
Positive23.7%
Neutral9.5%
Negative66.7%

Principal®

All ratings236,277 ratings
Positive95.9%
Neutral1.9%
Negative2.2%
Written reviews315 reviews
Positive32.7%
Neutral8.3%
Negative59.0%

User reviews

Voya

From 188K App Store ratings

What we love

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

Room to improve

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

Principal®

From 236K 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

Voya

Reported bugs

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

Requested features

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

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

Voya

No in-app purchases

None

Principal®

No in-app purchases

Questions

Is Voya free?
Voya 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, Voya or Principal®?
Principal® is rated higher. Voya averages 4.7 out of 5 from 188K ratings, while Principal® averages 4.8 from 236K ratings.
Do Voya or Principal® have ads?
Neither Voya nor Principal® shows ads.
Which is updated more often, Voya or Principal®?
Voya ships an update fortnightly, and Principal® every 8 days. Most recently, Voya was updated on September 24, 2026 and Principal® on September 24, 2026.
Which is more popular, Voya or Principal®?
Voya currently peaks at #175 in the App Store charts, and Principal® at #115. Chart position reflects recent download velocity rather than total install base.

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