HRAgo vs My Retirement
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- View account balances and activity
- Submit claims and documentation
- Update contact information
- Manage investment allocations
- View account statements
- Direct deposit reimbursements
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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.
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.
- View account balances
- Asset class breakdowns
- Manage contributions
- View active loans
- Retirement readiness assessment
- Fingerprint/facial recognition login
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
HRAgo ships an update every 3 months, My Retirement monthly. The most recent releases landed on November 6, 2026 and November 10, 2026 respectively.
| Parameter | HRAgo | My Retirement |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (277 ratings) | 4.8 (24K ratings) — better |
| Positive reviews | 37.7% of reviews | 48.6% of reviews — better |
| Number of ratings | 277 | 24K — better |
| Update frequency | Every 3 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 17 |
| Further details — not scored | ||
| Size | 44 MB | 48 MB |
| Age rating | 4+ | 4+ |
| Developer | Empire Innovation Group, LLC | Nationwide Mutual Insurance |
Customer experience
HRAgo
My Retirement
User reviews
HRAgo
From 277 App Store ratingsWhat 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 ratingsWhat 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 moreShow fewer
- 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 moreShow fewer
- 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
HRAgo
No in-app purchases
My Retirement
No in-app purchases
Questions
Is HRAgo free?
Is My Retirement free?
Which has better reviews, HRAgo or My Retirement?
Do HRAgo or My Retirement have ads?
Which is updated more often, HRAgo or My Retirement?
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