Guideline

Guideline

Access your 401(k) anytime

1.8K ratings
50 reviews
Free

Details

  • Released
  • Updated
  • June 26, 2023
  • July 17, 2026
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About

Easily set up and manage your 401(k) retirement account directly from your phone. Track progress, adjust contributions, and consolidate savings from other accounts. Invest with confidence through guided portfolio selection and automatic rebalancing.

Set up 401(k) in minutes
Access and manage contributions
Invest in recommended portfolios
Automatic portfolio rebalancing
Consolidate savings from other accounts
Mobile-first security features
Award-winning customer support
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What users say

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+1

What's New in Guideline

1.1.22

July 17, 2026

Bug fixes and other improvements.

User reviews

Bad dark mode

They finally implemented “dark mode” and it’s garbage. Looks like a child just drew awful purple colors all over it and has no concept of proper design. So let’s start by firing your app designers and paying for better ones. I don’t know if anyone told you morons this, but your “dark mode” does not have to match your company logo colors. And while you’re fixing this trash, add a proper iOS dark icon. Get rid of this obsession with purple.
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Response from developer

We appreciate you taking the time to share your experience, and regret to hear that our product has not met your expectations. Please be assured that we have shared your feedback with our team in an effort to improve our product for users like you! If you’re interested in discussing your concerns, or have any questions, please feel free to contact our team at support@retirement.gusto.com.

Unable to login

I’m unable to login into the app. I enter my credentials and it prompts me for two factor then sends be me back to login screen.

App is completely useless now

Man they wasted no time booting people who didn’t use Gusto huh. As if I personally run payroll at my company. Good job!

App is still a joke in 2025

Devs said in 2024 they were adding dark mode in app to the roadmap. It’s the end of 2025 and it’s still not here.

We also don’t have an iOS dark mode icon available. Those APIs were released in iOS 18 over a year ago.

And to top off the incompetency, the bottom of the app says “Gusto by Guideline” as if Gusto is not the parent company. These devs are lazy and don’t QA anything or focus on features that matter.
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Response from developer

We appreciate you taking the time to share your feedback. We’re happy to clarify why you now see “Gusto by Guideline” in your account. To confirm, your 401(k) provider is now Gusto, however, it is powered by the Guideline product. You’ll notice that account features remain visually similar in your participant dashboard, aiming to provide you with the same experience and level of support. Additionally, our team has confirmed that adding a dark mode remains on our road map, and hope to go live in 2026! If you have any questions pertaining to your account, please don’t hesitate to reach out to our support team at support@guideline.com.

What happened???

Gusto acquired Guideline and now one of my accounts is with Accrue which doesn’t have any app and the other is with Guideline which Gusto manages? This is a terrible update and makes me want to leave guideline completely now.

Response from developer

We appreciate your feedback, and understand the concern regarding app access. Please be assured that your Guideline account now with Gusto is still accessible via the Guideline app, and you’re able to manage your 401(k) as you were previously. Since Accrue is an unaffiliated 401(k) provider, this account will no longer be accessible via the Guideline app. However, your account dashboard can be accessed via a mobile or desktop browser, and provides you with your account details. Accrue’s dedicated support team (support@accrue401k.com) is happy to assist with any questions you may have surrounding your account!

Developer apps

User experience

🐞

Reported Bugs

3 issues

Login screen refreshes preventing 2FA

Bug

Inability to paste codes from password managers

Bug

App freezes when navigating away for 2FA

Bug

Requested Features

3 requests

Dark mode option

Feature

Support for IRA accounts

Feature

Improved biometric authentication

Feature

FAQ

What does this app do?

This app allows users to easily set up and manage their 401(k) retirement accounts directly from their mobile devices. It provides tools to track progress, adjust contribution amounts, and consolidate savings from other retirement accounts into one place.

How can I invest with this app?

You can invest by taking a questionnaire that helps determine the right portfolio for you. The app also offers automatic rebalancing of your portfolio to help you stay on track with your retirement goals.

Is this app free to use?

The app itself is free to download and use for managing your 401(k). However, there are fees associated with the investment services and portfolio management, which are detailed on the app's website.

What are the security features?

The app prioritizes account security with mobile-first features such as two-factor authentication (2FA) and biometric recognition, helping to protect your sensitive financial information.

Can I consolidate my old retirement accounts?

Yes, you can roll over other retirement accounts directly through the app. This allows you to consolidate all your savings into one location, potentially benefiting from the app's portfolio management and low fees.