# Voya vs Principal®

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.

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 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.

Voya ships an update fortnightly, Principal® every 8 days. Both last shipped on September 25, 2026.

## The numbers

| Metric | Voya | Principal® |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (188K ratings)](https://appshunter.io/ios/app/voya/id492157058/reviews) | **[4.8 (236K ratings)](https://appshunter.io/ios/app/principal/id1433961188/reviews)** |
| Number of ratings | 188K | **236K** |
| Positive reviews | 23.7% of reviews | **32.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 8 days** |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | #187 | **#124** |
| Size | 138 MB | 106 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Voya Services Company](https://appshunter.io/developer/490636997) | [Principal Financial Group](https://appshunter.io/developer/442790612) |

## What reviewers say

### Voya

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

**Currently charting:** #187 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


### Principal®

[App page](https://appshunter.io/ios/app/principal/id1433961188)

**Currently charting:** #124 Top Free · Finance (US App Store)

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:** Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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**

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


## Frequently asked 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 25, 2026 and Principal® on September 25, 2026.

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

Voya currently peaks at #187 in the App Store charts, and Principal® at #124. 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.*