Empower RetireSmart 4+


    • 4.4 • 3.2K Ratings
    • Free



The MassMutual RetireSmart mobile app you know is now Empower RetireSmart. If your plan was a part of the sale to Empower Retirement, please use this app. Empower RetireSmart is here to help you prepare for your future, with all the financial planning tools and services you need conveniently accessible on your phone. Whether you need to make a quick update, check your balance or receive financial advice, the app can do it all. Access your retirement account information and more when you’re on the go.

You can view the following:
• Rate of return
• Total account balance
• Balances by source and investment
• Vested balance by source
• Last contribution amount
• Loan details
• Asset allocation by investment in chart and list form
• Document delivery preference

Depending on your company’s plan, you may also be able to:
• Update your contribution amounts.
• Adjust your automatic contribution increases.
• Update your future investment allocations.
• View your statements and disclosures.

The app also offers login assistance, contact information and more. To log in, just enter your username and password from the MassMutual RetireSmart or Retirement Access website. All data is transmitted using secure socket layer (SSL) technology, and no data is stored locally on your device.

Download the app today and keep tabs on your retirement account ― no matter where you are.

Data shown in screenshots is illustrative only. It is not a recommendation or solicitation for a product or service. System availability and response times subject to mobile network availability and connection speed.

©2021 Empower Retirement, LLC. All rights reserved.

What’s New

Version 7.5.0

Welcome to the new Empower RetireSmart app brought to you by Empower Retirement. We will deliver continuous improvements to your experience.

• Welcome to Empower RetireSmart
• Security improvements and defect fixes

Ratings and Reviews

4.4 out of 5
3.2K Ratings

3.2K Ratings

DrCarral ,

All you need and want

The app is amazing, I can move my investments around, I can change my contribution, I can read the prospectus of the investments, I can see the fees! It's simply amazing.
There was a recent update (version 7.0) that was horrible and did not let me log in. Now they have fixed it and it's back to working perfectly.

Jelsert ,

All chrome, lacks useful features and clear instructions

This app continues to over promise and under deliver. There are few useful features in this app, and RetireSmart is not compatible with any 3rd party financial tracking applications. This fact is not explained, but rather the customer discovers this only after having the impression that the accounts have been successfully linked.

The representative explained that although it will allow you to connect the application (Personal Capital, in my case) the RetireSmart platform will not allow it to connect after this initial attempt. Which results in your account being locked and the forces you to call in (only between 8 - 8 Eastern) to unlock it.

If RetireSmart is so keen on limiting access to the account from 3rd party financial applications, they should aim to provide some features for their clients, instead of simple collecting fees from them as so many cash cows.

User80401 ,

Good Overall Functionality with A Security Flaw

This app is easy to use and has solid functionality; however, there is a fairly major security flaw.

Unless I hard close this app, when I reopen it the app will display the last screen I was on for 2-3 seconds before it asks for login. This is more than enough time to take a screen shot and for someone to see personal information. This needs to be addressed urgently.

App Privacy

The developer, MassMutual, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data
  • Diagnostics

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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