Olay Complete+ Moisturizer with SPF 40 Sensitive

Olay Complete+ Moisturizer with SPF 40 Sensitive

SPF 40Efficacy100/100IrritancyLow·4 UV filters
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Works for

2 of 2 advertised claims delivered

Sun protection
SPF 40 · 4 UV filters
Broad spectrum
SPF 40Broad spectrumMineral + chemical filtersNo white cast

This product offers a good level of protection against both UVB and UVA rays.

This sunscreen uses organic (so-called "chemical") sunscreen filters. Organic, or "chemical" filters usually provide reliable sun protection and rarely leave a white cast. Sunscreens with organic filters can sting eyes.

This product can be considered "reef safe" because it does not contain the UV filters (oxybenzone and octinoxate) that can be harmful to coral reefs when present in the water in high concentrations.

UV spectrum
UVB290–320 nmUVA II320–340 nmUVA I340–400 nm
Homosalate
Octocrylene
Octisalate
Avobenzone
FilterCoverageWhat it doesEst. amount
HomosalateUVB Photo-stable A weak sunscreen that offers some protection against the sun rays that cause sunburn (UVB), but does not offer meaningful protection against protect against the most aging sun rays (UVA). It loses its effectiveness quickly when exposed to sunlight. It is an organic, or so called "chemical" sunscreen. When used in low concentrations, helps to stabilize the product formulation10%
OctocryleneUVB Photo-stable A weak sunscreen that protects against the sun rays that cause sunburn (UVB) and is somewhat effective against the UVA rays. It is quite stable and can help stabilize other, more vulnerable, sunscreen ingredients like Avobenzone. It is an organic, or so called "chemical" sunscreen9%
OctisalateEthylhexyl SalicylateUVBOctisalate. A UV filter. It offers some protection against the sun rays that cause sunburn (UVB), but does not protect against the most aging sun rays (UVA). It loses its effectiveness quickly when exposed to sunlight. It is an organic, or so called "chemical" sunscreen5%
AvobenzoneButyl MethoxydibenzoylmethaneUVA1Avobenzone. An organic, or so-called "chemical" UV filter. Protects against both UVA and UVB rays. Needs to be combined with other filters in a formulation to be stable.3%
Reef-safe
No oxybenzone or octinoxate — the two filters banned in Hawaii, Florida Keys and Aruba.
Moisturizing
12 ingredients credited for this claim
Strong support
What the product description says
“Moisturizing Sunscreen”
Source: Costco

This product can help improve hydration of the skin with the two types of ingredients.

The first type is called “humectants”:
these ingredients help attract water. When humectants are on the surface of the skin, they “pull in” the moisture from the outside environment, or from within deeper layers of the skin. The following ingredients in this product do the job: glycerin, caprylyl glycol.

This product also contains ingredients called “occlusives”. They help reduce the speed with which our skin loses moisture to the outside environment. These ingredients also help soften the upper layer of the skin, so it feels less tight and nicer to the touch. The following ingredients in this product do the job: dimethicone, dimethiconol.

The following ingredients in this product are especially good for supporting the skin barrier and helping with the hydration level: niacinamide, panthenol

DimethiconeKey active· Emollient, OcclusiveEffect: HighA silicone that helps to reduce water loss from the surface of the skin. Can temporarily "fill in" lines and wrinkles, absorb oil, and create a nice product finish~3.5–4.3%
DimethiconolKey active· Emollient, OcclusiveEffect: HighA silicone that makes products more spreadable and keeps skin smooth. Helps to add gloss to skin and may visually fill in fine lines/wrinkles for short time~1.1–1.4%
GlycerinKey active· HumectantEffect: HighOne of the best moisturizing ingredients. Naturally present in skin. It attracts water to the upper layer of the skin working as a humectant~5.4–6.6%
NiacinamideHeroEffect: HighIs proven to be effective in reducing blemishes, evening out skin tone and helping to improve lines and wrinkles. It helps the skin to repair sun damage, calm down inflammation and keep maintain good levels of moisture. The concentration of about 2% is effective for supporting the skin barrier and evening out the skin tone. Concentration of 4-6% is better for helping with acne and balancing the sebum production~4.4–5.3%
PanthenolHero· HumectantEffect: HighHelps attract water to the upper layer of the skin and can help improve skin barrier function~1.5–1.8%
PolymethylsilsesquioxaneKey activeEffect: HighA silicone that improves product texture and helps dissolve other ingredients. Can form a non-greasy film on the skin to prevent moisture loss~0.25–0.45%
Cetearyl alcoholKey active· EmollientEffect: MediumA non-drying alcohol. Works as an emollient. Helps water and oil mix together and creates a nice product texture~0.95–1.15%
Cetyl alcoholKey active· EmollientEffect: MediumA non-drying alcohol that works to soften the skin and stabilize product formulations helping oil and water mix together~0.6–0.9%
Behenyl alcohol· Emollient, OcclusiveEffect: LowNon-drying alcohol that helps water and oil mix together. Also serves as an emollient~0.55–0.8%
Caprylyl glycol· Humectant, EmollientEffect: LowHelps preserve products and creates a nice product texture~1.3–1.6%
Palmitic acid· EmollientEffect: LowAn emollient that is naturally present in skin and helps soften it~0.65–0.95%
Stearic acidEffect: Low, below effective doseHelps oil and water mix together and works as an emollient~0.75–1.1%
Anti-aging
Not advertised by the brand · 1 ingredient credited for this claim
Strong support

This product can help reduce and prevent fine lines and wrinkles, improve skin elasticity and firmness because it contains niacinamide.

Keep in mind that it typically takes at least 6 weeks to notice any results because the changes that are needed to improve fine lines and elasticity happen in the deeper layers of the skin. No topical anti-aging product can “erase” wrinkles or fully reverse signs of aging.

This product can also help prevent early signs of skin aging because it offers a good level of broad spectrum sun protection. Sun damage is the main cause of premature skin aging, and protecting your skin from the sun is the best anti-aging strategy.

NiacinamideKey activeEffect: HighIs proven to be effective in reducing blemishes, evening out skin tone and helping to improve lines and wrinkles. It helps the skin to repair sun damage, calm down inflammation and keep maintain good levels of moisture. The concentration of about 2% is effective for supporting the skin barrier and evening out the skin tone. Concentration of 4-6% is better for helping with acne and balancing the sebum production~4.4–5.3%
Evens skin tone
Not advertised by the brand · 1 ingredient credited for this claim
Strong support

This product offers broad spectrum sun protection. It means that it can prevent hyperpigmentation and help keep the skin tone even (sun damage is the main factor causing age spots, darkening of post-acne marks and other discolorations).

NiacinamideKey activeEffect: HighIs proven to be effective in reducing blemishes, evening out skin tone and helping to improve lines and wrinkles. It helps the skin to repair sun damage, calm down inflammation and keep maintain good levels of moisture. The concentration of about 2% is effective for supporting the skin barrier and evening out the skin tone. Concentration of 4-6% is better for helping with acne and balancing the sebum production~4.4–5.3%
Anti-blemish
Not advertised by the brand · 1 ingredient credited for this claim
Strong support

This product can help reduce breakouts and clogged pores because it contains the following ingredient: niacinamide. This ingredient is used for treating acne and can have a noticeable effect.

NiacinamideHeroEffect: HighIs proven to be effective in reducing blemishes, evening out skin tone and helping to improve lines and wrinkles. It helps the skin to repair sun damage, calm down inflammation and keep maintain good levels of moisture. The concentration of about 2% is effective for supporting the skin barrier and evening out the skin tone. Concentration of 4-6% is better for helping with acne and balancing the sebum production~4.4–5.3%

Can it cause trouble?

Irritancy
9 flagged ingredients
Low risk
We flag 9 ingredients with irritancy potential; the product's overall irritancy is low. The table lists each ingredient's own rating.
IngredientFunctionIrritationEst. amount
Butyl methoxydibenzoylmethaneAvobenzone. An organic, or so-called "chemical" UV filter. Protects against both UVA and UVB rays. Needs to be combined with other filters in a formulation to be stable.Medium3%
HomosalateA weak sunscreen that offers some protection against the sun rays that cause sunburn (UVB), but does not offer meaningful protection against protect against the most aging sun rays (UVA). It loses its effectiveness quickly when exposed to sunlight. It is an organic, or so called "chemical" sunscreen. When used in low concentrations, helps to stabilize the product formulationMedium10%
OctocryleneA weak sunscreen that protects against the sun rays that cause sunburn (UVB) and is somewhat effective against the UVA rays. It is quite stable and can help stabilize other, more vulnerable, sunscreen ingredients like Avobenzone. It is an organic, or so called "chemical" sunscreenMedium9%
Tapioca starchUsed to create a thicker product consistencyMedium~7.6–9.3%est.
Tocopheryl acetateA more stable but less bio-available form of vitamin E compared to Tocopherol. Might help moisturize and protect the skin from free radicals, but mostly used in low concentrations to stabilize other ingredients.Medium~2.2–2.7%est.
Caprylyl glycolHelps preserve products and creates a nice product textureMedium~1.3–1.6%est.
Cetearyl glucosideHelps water and oil in the product mix well together and improves product textureMedium~0.8–1.15%est.
Disodium edtaStabilizes the product formulationMedium~0.3–0.55%est.
1,2-hexanediolA preservativeMedium~0.2–0.35%est.
Comedogenic
1 ingredient rated 2 or more on the 0–5 pore-clogging scale
1 flagged
These ingredients have a comedogenic rating of 2 or more on a 0–5 scale; the table shows each one's rating. In leave-on products they can clog pores in acne-prone skin.
IngredientFunctionRatingEst. amount
Cetearyl alcoholA non-drying alcohol. Works as an emollient. Helps water and oil mix together and creates a nice product texture2/5~0.95–1.15%est.
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Ingredients

Filter by role to see what each ingredient is doing.

Butyl methoxydibenzoylmethane3%
UV filterKey activeIrritant · medium
Irritation risk
Medium
Works for
Sun protection

Avobenzone. An organic, or so-called "chemical" UV filter. Protects against both UVA and UVB rays. Needs to be combined with other filters in a formulation to be stable.

More about Butyl methoxydibenzoylmethane
Homosalate10%
UV filterKey activeIrritant · medium
Irritation risk
Medium
Works for
Sun protection

A weak sunscreen that offers some protection against the sun rays that cause sunburn (UVB), but does not offer meaningful protection against protect against the most aging sun rays (UVA). It loses its effectiveness quickly when exposed to sunlight. It is an organic, or so called "chemical" sunscreen. When used in low concentrations, helps to stabilize the product formulation

More about Homosalate
Ethylhexyl salicylate5%
UV filter
Irritation risk
Low
Works for
Sun protection

Octisalate. A UV filter. It offers some protection against the sun rays that cause sunburn (UVB), but does not protect against the most aging sun rays (UVA). It loses its effectiveness quickly when exposed to sunlight. It is an organic, or so called "chemical" sunscreen

More about Ethylhexyl salicylate
Octocrylene9%
UV filterKey activeIrritant · medium
Irritation risk
Medium
Works for
Sun protection

A weak sunscreen that protects against the sun rays that cause sunburn (UVB) and is somewhat effective against the UVA rays. It is quite stable and can help stabilize other, more vulnerable, sunscreen ingredients like Avobenzone. It is an organic, or so called "chemical" sunscreen

More about Octocrylene
Water~45–55%
Formula
Irritation risk
Low

Plain old water

More about Water
Tapioca starch~7.6–9.3%
Irritant · medium
Irritation risk
Medium

Used to create a thicker product consistency

More about Tapioca starch
Glycerin~5.4–6.6%
Key active
Irritation risk
Low
Works for
Moisturizing

One of the best moisturizing ingredients. Naturally present in skin. It attracts water to the upper layer of the skin working as a humectant

More about Glycerin
Niacinamide~4.4–5.3%
Hero · Moisturizing, Anti-blemish
Irritation risk
Low
Works for
Anti-blemishAnti-agingMoisturizingEvens skin toneReduces irritationAnti-inflammatoryAntibacterialReduces redness

Is proven to be effective in reducing blemishes, evening out skin tone and helping to improve lines and wrinkles. It helps the skin to repair sun damage, calm down inflammation and keep maintain good levels of moisture. The concentration of about 2% is effective for supporting the skin barrier and evening out the skin tone. Concentration of 4-6% is better for helping with acne and balancing the sebum production

More about Niacinamide
Dimethicone~3.5–4.3%
Key active
Irritation risk
Low
Works for
MoisturizingMattifying

A silicone that helps to reduce water loss from the surface of the skin. Can temporarily "fill in" lines and wrinkles, absorb oil, and create a nice product finish

More about Dimethicone
Tocopheryl acetate~2.2–2.7%
Irritant · medium
Irritation risk
Medium
Works for
Anti-oxidation

A more stable but less bio-available form of vitamin E compared to Tocopherol. Might help moisturize and protect the skin from free radicals, but mostly used in low concentrations to stabilize other ingredients.

More about Tocopheryl acetate
Oryza sativa bran extract~1.7–2.1%
Formula
Irritation risk
Low

Used to thicken the product consistency

More about Oryza sativa bran extract
Panthenol~1.5–1.8%
Hero · Moisturizing
Irritation risk
Low
Works for
MoisturizingReduces rednessReduces irritation

Helps attract water to the upper layer of the skin and can help improve skin barrier function

More about Panthenol
Caprylyl glycol~1.3–1.6%
Irritant · medium
Irritation risk
Medium
Works for
Moisturizing

Helps preserve products and creates a nice product texture

More about Caprylyl glycol
Dimethiconol~1.1–1.4%
Key active
Irritation risk
Low
Works for
Moisturizing

A silicone that makes products more spreadable and keeps skin smooth. Helps to add gloss to skin and may visually fill in fine lines/wrinkles for short time

More about Dimethiconol
Cetearyl glucoside~0.8–1.15%
Irritant · medium
Irritation risk
Medium
Works for
Cleansing

Helps water and oil in the product mix well together and improves product texture

More about Cetearyl glucoside
Cetearyl alcohol~0.95–1.15%
Key activeComedogenic 2/5
Irritation risk
Low
Comedogenicity
2/5
Works for
CleansingMoisturizing

A non-drying alcohol. Works as an emollient. Helps water and oil mix together and creates a nice product texture

More about Cetearyl alcohol
Stearic acid~0.75–1.1%
Formula
Irritation risk
Low
Works for
CleansingMoisturizing

Helps oil and water mix together and works as an emollient

More about Stearic acid
Palmitic acid~0.65–0.95%
Formula
Irritation risk
Low
Works for
CleansingMoisturizing

An emollient that is naturally present in skin and helps soften it

More about Palmitic acid
Stearyl alcohol~0.6–0.95%
Formula
Irritation risk
Low
Works for
Cleansing

An emollient that helps soften the skin

More about Stearyl alcohol
Cetyl alcohol~0.6–0.9%
Key active
Irritation risk
Low
Works for
CleansingMoisturizing

A non-drying alcohol that works to soften the skin and stabilize product formulations helping oil and water mix together

More about Cetyl alcohol
Behenyl alcohol~0.55–0.8%
Formula
Irritation risk
Low
Works for
Moisturizing

Non-drying alcohol that helps water and oil mix together. Also serves as an emollient

More about Behenyl alcohol
Disodium edta~0.3–0.55%
Irritant · medium
Irritation risk
Medium

Stabilizes the product formulation

More about Disodium edta
Sodium polyacrylate starch~0.3–0.6%
Formula
Irritation risk
Low

Used to create a thicker product consistency

More about Sodium polyacrylate starch
Peg-100 stearate~0.4–0.6%
Formula
Irritation risk
Low
Works for
Cleansing

Helps oil and water mix togehter and creates a nice product texture

More about Peg-100 stearate
Polymethylsilsesquioxane~0.25–0.45%
Key active
Irritation risk
Low
Works for
Moisturizing

A silicone that improves product texture and helps dissolve other ingredients. Can form a non-greasy film on the skin to prevent moisture loss

More about Polymethylsilsesquioxane
1,2-hexanediol~0.2–0.35%
Irritant · medium
Irritation risk
Medium

A preservative

More about 1,2-hexanediol
Phenoxyethanol~0.2–0.4%
Formula
Irritation risk
Low

A preservative. It helps prevent bacterial growth in cosmetic products

More about Phenoxyethanol
Ingredient list view

Butyl methoxydibenzoylmethane, Homosalate, Ethylhexyl salicylate, Octocrylene, Water, Tapioca starch, Glycerin, Niacinamide, Dimethicone, Tocopheryl acetate, Oryza sativa bran extract, Panthenol, Caprylyl glycol, Dimethiconol, Cetearyl glucoside, Cetearyl alcohol, Stearic acid, Palmitic acid, Stearyl alcohol, Cetyl alcohol, Behenyl alcohol, Disodium edta, Sodium polyacrylate starch, Peg-100 stearate, Polymethylsilsesquioxane, 1,2-hexanediol, Phenoxyethanol

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Amazon USPrice as of 10/9/2026 21:57 GMT
$19.94
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Worth comparing, line by line.

Match % combines shared ingredients, the first five ingredients, shared actives and hero ingredients, irritancy (lower counts in the alternative's favour), texture and body area. Only products in the same routine step are compared.

Side-by-side comparison of this product against its closest alternatives
OlayComplete+ Moisturizer with SPF 40 SensitiveYOUR PRODUCTLa Roche-PosayAnthelios UV Correct SPF 70 Daily Anti-Aging Face Sunscreene.l.f.SUNTOUCHABLE! WHOA GLOW SPF 30Keys SoulcareDaily Moisturizer Broad Spectrum SPF 30
Match—94%92%92%
Price$19.94$29.98+$10.04$14.00−$5.94$67.42+$47.48
Shared key ingredients—8 of 97 of 97 of 9
Key difference—Vitamin EEthylhexyl HydroxystearatePalmitoyl Tripeptide-1
Irritancy Low Low Low Low
SPFSPF 40SPF 70SPF 30SPF 30
Drying alcohol————
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Product summary

We believe that "Olay - Complete+ Moisturizer with SPF 40 Sensitive" can provide reliable sun protection based on the ingredients listed. We love that it can protect from both UVA and UVB rays (not all sunscreens with SPF ratings give UVA protection. UVA rays do not cause sunburn, but still damage our skin and lead to early aging).

This moisturizer should also be hydrating enough to use without an additional moisturizer during the day. This product prevents early signs of aging by protecting against sun damage (all broad spectrum sunscreens do that).

Sunscreen filters

This is a so-called "chemical" sunscreen. It means that it uses organic UV filters. They typically offer good sun protection and rarely leave a white cast, but they can be irritating for some people with sensitive skin. These are the sun protection ingredients in this sunscreen: avobenzone 0.00% (declared), octisalate 0.00% (declared), homosalate 0.00% (declared) and octocrylene 0.00% (declared).

Irritation risk

This product does not contain known common irritants and is suitable for sensitive skin. We assess the overall irritancy of this moisturizer to be low. For a detailed overview of all potential irritants: click here

You can see the detailed formula review with the breakdown of all actives in the product and the full ingredient list with estimated concentrations in the tables below.

Olay Complete+ Moisturizer with SPF 40 Sensitive
OlayComplete+ Moisturizer with SPF 40 Sensitive

Affiliate links · As an Amazon Associate, WIMJ earns from qualifying purchases.

As an Amazon Associate, WIMJ earns from qualifying purchases.