--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Mon compte retraite" developer_entity: "GIP Union Retraite" bundle_id: "fr.agircarrco.smartretraite" app_store_id: "1176066236" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS & Android" app_last_updated: "2026-08-06" report_date: "2026-09-12" last_verified: "2026-09-12T00:00:00.000Z" report_version: "8.0.0" total_reviews: 11904 overall_rating: 3.8 sentiment: "Frustrated" sentiment_score: 25 confidence: "high" confidence_score: 0.7 top_praise_theme: "Simple and reliable interface design allows users to manage retirement information without unnecessary complexity" top_complaint_theme: "Immediate session termination after login prevents users from accessing their retirement account data" review_sample_size: 51 total_review_count: 51 analyzed_review_count: 51 data_age_days: 24 momentum_velocity: "maintenance" intelligence_version: 2 tags: ["finance", "free", "frustrated sentiment", "mobile app", "app review", "app analysis", "french", "workers", "retirees"] canonical_url: "https://marlvel.ai/apps/mon-compte-retraite" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Mon compte retraite Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 3.79 · Sentiment Frustrated - **Recent focus**: Immediate session termination after login prevents users from accessing their retirement account data (top complaint) · Simple and reliable interface design allows users to manage retirement information without unnecessary complexity (top praise) > **TL;DR:** Mon compte retraite is a finance app by GIP Union Retraite, rated 3.79/5 by 11.9K users, with Frustrated user sentiment (25/100), available on iOS & Android. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Mon compte retraite faces Frustrated user sentiment (3.79/5 from 11.9K reviews), with users reporting immediate session termination after login prevents users from accessing their retirement account data as the primary concern. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 3.79/5 (11.9K reviews) | | **User Mood** | Frustrated | | **Category** | Finance | | **Developer** | GIP Union Retraite | | **Pricing** | Free | | **Platforms** | iOS & Android | | **Confidence** | High (0.7/1.0) | | **Data Age** | 24d | ## Metadata & Market Performance - **Publisher:** GIP Union Retraite - **Category:** Finance - **Target Audience:** French workers and retirees seeking to manage their pension entitlements, track payments, and simulate retirement scenarios. - **Platforms:** iOS & Android - **Version Reviewed:** 8.0.0 - **Report Date:** 2026-09-12 - **Signal Count:** 51 reviews analyzed - **Confidence:** High (0.7/1.0) - **App Store ID (iOS):** 1176066236 - **Bundle ID:** fr.agircarrco.smartretraite - **Google Play ID:** fr.agircarrco.smartretraite - **Data Window:** Analysis based on signals collected up to 2026-09-12 - **Short Description:** The app for all my diets! ## Executive Snapshot **What it is:** Mon compte retraite is a mobile pension management tool for French workers and retirees, providing access to career history, payment tracking, and retirement simulators. **Why users hire it:** It removes the administrative friction of navigating multiple pension schemes by centralizing all entitlements into one secure, government-backed interface. ## App DNA (Features & Intent) - **[Standard] Career History Visualization:** Displays historical employment data and accrued retirement entitlements across all occupation types. - **[Standard] Retirement Payment Tracker:** Provides specific dates for upcoming pension payments for retirees. * *User Intent:* Users seek enhanced value through premium features. - **[Differentiator] Retirement Simulators:** Calculates estimated retirement age and pension amounts based on user career data. ## Market Position {#market-position} Mon compte retraite holds the #11 Free Finance position in France, maintaining high visibility despite a 3.79 rating on Android. The gap between its high utility and the recent stability-driven sentiment decline signals a risk to its current chart standing. ## Monetization Strategy - **Model:** Free - **Tiers:** Free access for all users - **Analysis:** Mon compte retraite is a public service provided by GIP Union Retraite and does not utilize monetization. ## 🔴 User Sentiment (High Confidence: 51 of 51 reviews analyzed) {#user-sentiment} - **Overall Rating:** 3.79/5 - **Platform Split:** iOS 4.2/5 (41 ratings) | Android 3.8/5 (11.9K ratings) - **Overall Sentiment:** Frustrated ### Top Praises - **Simple and reliable interface design allows users to manage retirement information without unnecessary complexity** ### Top Complaints (Impact Areas) - **Immediate session termination after login prevents users from accessing their retirement account data** ## SWOT Analysis {#swot} **Core Strengths:** - Centralized government-mandated data creates a high barrier to entry **Growth Levers:** - English interface expansion for international retirees ## What's New - **Latest (v8.0.0, 1 months ago):** Added child information management to the 'Ma situation familiale' service, integrating these details into pension estimates. ## App Momentum (Maintenance) {#momentum} - Shipped family status integration feature. - Maintains maintenance-level update cadence. > **Cadence:** 1 total versions · 1 majors in last 6 months · 38 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Mon compte retraite is a finance app that is completely free. With a 3.79/5 rating from 11.9K reviews, it faces significant user friction. > **Bottom Line:** Restoring session stability is the only path to protecting the current chart standing, as the current inability to maintain an authenticated state invalidates the app's primary value proposition for the user base. **Best for:** French workers and retirees seeking to manage their pension entitlements, track payments, and simulate retirement scenarios. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] Rebuild session management logic because immediate post-login termination is the top complaint → restore core utility ### Outlook: Declining The outlook for Mon compte retraite is declining due to technical regressions that prevent users from accessing their pension data. Unless the stability issues are addressed, the app risks losing its current chart position as users abandon the platform due to persistent login failures. - 🔴 Critical session-management regressions in the latest release prevent user access, which will accelerate churn and negative rating pressure into the next quarter. - 🔴 Persistent authentication failures in the webview implementation erode trust in the security of the public service brand, further depressing user sentiment. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 3.79/5 | | Total Reviews | 11.9K | | Sentiment | Frustrated (25/100) | | Confidence | High | | Pricing Model | Free | | Platforms | iOS & Android | | Key Features | 3 analyzed | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Mon compte retraite** (this app) | 3.79/5 | Frustrated | GIP Union Retraite | | [Polymarket: Trade Live Sports](https://marlvel.ai/apps/polymarket) | 4.6/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.5/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.4/5 | n/a | Fidelity Investments | | [Kalshi: Trade Football & more](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.8/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** GIP Union Retraite - **Website:** [https://www.info-retraite.fr/](https://www.info-retraite.fr/) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/mon-compte-retraite/id1176066236?uo=4) - **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=fr.agircarrco.smartretraite&hl=en&gl=us) - **Dev Site:** [Official Website](https://www.info-retraite.fr/) - **Sources:** Developer website content, App store metadata, User reviews. ## Related Intel Reports - [*Polymarket: Trade Live Sports*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.6/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.5/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.4/5 Rating - [*Kalshi: Trade Football & more*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.8/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. 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Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.7/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 51 - **Data Sources:** user reviews, developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 24 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/mon-compte-retraite) Data licensed for AI Agent attribution under CC-BY-NC 4.0.