Voya vs RetroFin

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.

Master your cash flow — without lifting a finger. RetroFin connects to your bank accounts and automatically tracks every dollar coming in and going out. No spreadsheets. No manual entry. Just clear, honest answers about where your money is really going. YOUR COMPLETE FINANCIAL PICTURE, ONE TAP AWAY Link your bank accounts, credit cards, and loans through secure Plaid integration. Add manual accounts for investments, vehicles, real estate, or cash — and see your total net worth update in real time. AUTOMATED WEEKLY SNAPSHOTS Every week, RetroFin captures a snapshot of your entire financial life: assets, liabilities, and net worth. Over time, these snapshots build a powerful timeline showing exactly how your finances have changed — and why. AI-POWERED INSIGHTS RetroFin analyzes your snapshots and spending patterns to deliver personalized, plain-English insights. Understand what drove your balance changes, spot trends before they become problems, and get recommendations tailored to your financial habits. SMART BUDGET TRACKING Set monthly budgets by category and track your pace throughout the month. RetroFin shows you whether you're on track or overspending — and flags unbudgeted categories so nothing slips through the cracks. BEAUTIFUL CHARTS & VISUALIZATIONS See your finances come to life with interactive charts: • Net worth over time • Cash flow trends • Assets vs. liabilities breakdown • Account and institution growth • Monthly expense breakdowns BUILT FOR YOUR PEACE OF MIND • Face ID & Touch ID protection • Bank-level encryption via Plaid • Push notifications for low balances, budget alerts, and new snapshots • All your accounts in one secure place WHO IS RETROFIN FOR? → You check your bank app daily but still feel lost → You're tired of being surprised by low balances → You want to stop living paycheck to paycheck → You have accounts at multiple banks and need one view → You've tried budgeting apps but gave up on manual entry SUBSCRIPTION RetroFin offers a 7-day free trial so you can experience the full power of automated financial tracking before you commit. Plans include unlimited manual accounts, full chart access, AI insights, and automated weekly snapshots.