Comparison

HRAgo vs My Retirement

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

Head to head
About

HRAgo

Manage your Health Reimbursement Arrangement (HRA), Health Savings Account (HSA), Flexible Spending Account (FSA), and RHSP accounts. View balances, transaction history, submit claims, upload documentation, and update personal and investment information.

Highlights
  • View account balances and activity
  • Submit claims and documentation
  • Update contact information
  • Manage investment allocations
  • View account statements
  • Direct deposit reimbursements
Read full description

HRAgo allows you to view your account balance, as well specific account activity and history on your Funded HRA, HSA, FSA, and RHSP accounts. You can also submit claims, submit benefits card supporting documentation*, update your contact information, make investment allocation changes**, and update your account preferences directly from your iPhone or iPad. Prior to using HRAgo, you’ll need to have an existing portal user account. If you haven’t already registered your HRA/HSA/FSA/RHSP account under your plan’s respective website, please do this first. Once registered, you can use the same portal account credentials to access your account via HRAgo. Key Features: • View current account balance and activity for all of your accounts • View participant account statements** • Submit new HRA, FSA, and RHSP claims • View and search HRA, FSA, and RHSP claims history • Submit benefits card supporting documentation* • View and search benefits card transactions* • Manage your investment allocations** • Update your contact information • Sign up to receive reimbursements via direct deposit • Use Face ID or Touch ID to log in * Benefits card features are only available to participants who are enrolled in a plan that offers this option, and have elected to receive a card. ** Feature specific to invested accounts.

About

My Retirement

Access your employer-sponsored retirement account on the go. View account balances, asset breakdowns, and manage contributions. Plan for your future with retirement readiness tools.

Highlights
  • View account balances
  • Asset class breakdowns
  • Manage contributions
  • View active loans
  • Retirement readiness assessment
  • Fingerprint/facial recognition login
Features
Read full description

If you’re in an employer-sponsored retirement plan with services provided by Nationwide, check out the My Retirement app. Using fingerprint or facial recognition, you can look at your account on the go, or see your retirement readiness using My Income & Retirement Planner. Get the retirement and financial planning help you want, including: • Viewing account balances • Asset class breakdowns • Managing contributions • Viewing active loans Some features may not be available to all plans.

Screenshots

HRAgo4 screens
My Retirement3 screens

Verdict

The call

The clearest difference is rating: My Retirement at 4.8 against HRAgo's 3.6. My Retirement also leads on ratings volume (24K vs 277) and update cadence (monthly vs every 3 months). HRAgo's advantage is iOS requirement (15.0 vs 17). On price, ads, in-app purchases and monetization model 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

My Retirement holds the better App Store score, 4.8 against 3.6. That said, the two scores are not equally well evidenced: My Retirement has 24K ratings behind it against 277, so its average is the more settled of the two. Written reviews point the same way: 38% of HRAgo's written reviews are positive against 49% of My Retirement's.

UpkeepUpdate frequency

HRAgo ships an update every 3 months, My Retirement monthly. The most recent releases landed on November 6, 2026 and November 10, 2026 respectively.

Scorecard5 real differences · 5 level
HRAgo versus My Retirement: the parameters behind the verdict, then further details
ParameterHRAgoMy Retirement
PriceFreeFree
Rating3.6 (277 ratings)4.8 (24K ratings) — better
Positive reviews37.7% of reviews48.6% of reviews — better
Number of ratings27724K — better
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better17
Further details — not scored
Size44 MB48 MB
Age rating4+4+
DeveloperEmpire Innovation Group, LLCNationwide Mutual Insurance

Customer experience

HRAgo

All ratings258 ratings
Positive62.0%
Neutral5.8%
Negative32.2%
Written reviews106 reviews
Positive37.7%
Neutral8.5%
Negative53.8%

My Retirement

All ratings24,422 ratings
Positive96.9%
Neutral2.2%
Negative1.0%
Written reviews148 reviews
Positive48.6%
Neutral10.8%
Negative40.5%

User reviews

HRAgo

From 277 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Efficient claims submission
  • 🤝 Great customer service
  • 📱 User-friendly app
  • ✅ Makes HRA easy

Room to improve

  • 🐌 Slow processing
  • ❌ Denied claims frequently
  • 😩 Cumbersome process
  • ❓ Lack of explanation for denials
  • 📚 Difficult to upload documents

My Retirement

From 24K App Store ratings

What we love

  • 👍 Helpful and knowledgeable agents
  • 🚀 Quick and easy to use
  • 🔒 Secure and confident experience

Room to improve

  • 🐛 Clunky and buggy app
  • 🔍 Limited functionality compared to website
  • ⚠️ Frequent update issues

Bugs and requests

HRAgo

Reported bugs

16 issues
  • Unable to log out
  • Cannot add documentation from photo library
  • App won't attach images for claims
  • Cannot find 'Benefits Card' tab
  • Kicked out before finishing upload
Show 11 more
  • App won't submit a claim
  • Website doesn't allow actions mentioned in mail
  • Forgot password/username not available
  • App won't log out without review
  • Cannot use camera or access photo album
  • Cannot submit claim information
  • Save login/username not working
  • Cannot get past login screen
  • Cannot log in
  • Listed individuals not showing in app
  • One-time rebalance not working

Requested features

9 requests
  • Allow adding multiple documents
  • Provide information on covered expenses
  • Improve navigation for monitoring deposits/credits/payments
  • Add a 'forgot password' option
  • Allow saving login credentials
Show 4 more
  • Show used and remaining account balance when filling claims
  • Allow access to all submitted documentation
  • List of what the card can be used for
  • Option to opt-out of the service

My Retirement

Reported bugs

3 issues
  • Login and update issues
  • Crashes and freezes
  • Unreliable and inconsistent performance

Requested features

3 requests
  • Improved navigation and UI
  • Real-time investment tracking
  • Ability to manage accounts and settings

In-app purchases

None

HRAgo

No in-app purchases

None

My Retirement

No in-app purchases

Questions

Is HRAgo free?
HRAgo is free to download, with no in-app purchases.
Is My Retirement free?
My Retirement is free to download, with no in-app purchases.
Which has better reviews, HRAgo or My Retirement?
My Retirement is rated higher. HRAgo averages 3.6 out of 5 from 277 ratings, while My Retirement averages 4.8 from 24K ratings.
Do HRAgo or My Retirement have ads?
Neither HRAgo nor My Retirement shows ads.
Which is updated more often, HRAgo or My Retirement?
HRAgo ships an update every 3 months, and My Retirement monthly. Most recently, HRAgo was updated on November 6, 2026 and My Retirement on November 10, 2026.

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