# Plootus 401k/403b Simplified — AI based Retirement Planning > AI-powered retirement planning and investment optimization for 401k, 403b, and TSP plans. (iPhone/iPad app by Analyze Future LLC.) - Source: https://appshunter.io/ios/app/plootus-401k403b-simplified/id1311669590 (this page in markdown: same URL + `.md`) - Developer: [Analyze Future LLC](https://appshunter.io/developer/1311669589) - Category: Finance, Utilities - Price: Free - Rating: 4.70/5 from 33 App Store ratings · 36 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 21 MB - Languages: American English - Released: 2017-12-02 - Data updated: 2026-07-04 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/plootus-401k403b-simplified/id1311669590/reviews.md ## What is Plootus 401k/403b Simplified? Did you know, on average, an employee pays an extra $100k in hidden fees from their retirement accounts: 401k / 401(k), 403b / 403(b), 457, 401a, and Thrift Saving Plans (TSP)? Most of us make wrong investment choices or select target date funds without proper due diligence. We understand you do not have the time. No one wants to spend time on Retirement Planning, and that’s a big mistake! 401k or 401(k), 403b or 403(b), 457, 401a, and TSP plans are the most critical sources of retirement savings for most Americans. Do it yourself or delegate it to an Advisor for FREE! Let Plootus help you be ready for a Happy and Wealthy Retirement. We offer Premium investment advice for FREE. We do not promote any fund family such as Fidelity, Blackrock, Vanguard, PIMCO, TIAA, American Fund, or others. We select the best investment options that are good for you. The Plootus app uses Artificial Intelligence (AI) to help you meet your retirement goals. Optimize your retirement plans such 401k / 401k or 401(k), 403b or 403(b), 457, 401a & Thrift Savings Plan (TSP). With Plootus you are in charge and can be your own financial advisor. Plootus provides a Retirement calculator and an Income calculator to assist you in calculating how much you need for retirement. It selects investments that are best in terms of performance and charges lower fees. Thus, making it fast and easy to allocate your investments in your 401k / 401(k), 403b / 403(b), 457, 401a, and TSP plans. If you find it cumbersome and time-consuming to do it yourself, just delegate to a Financial Advisor of your choice through the app. We care for your retirement, that is why we are providing our services for FREE for a limited time! Plootus has analyzed thousands of 401k / 401(k), 403b / 403(b), 457, 401a, or Thrift Savings Plan (TSP) plans offered by US employers. Some of the popular employer searches on Plootus.com and the Plootus App are Amazon, Alphabet (Google), Meta (Facebook), General Electric (GE), Nissan, Tesla, Avangrid, New York University, Fairfield University, University of Alabama, University of Michigan among others. Plootus is a one-stop-shop personal investment app where you enjoy premium services for FREE. How does it work? 1. To find the best investment options amongst those offered by your employer-sponsored 401k / 401(k), 403b / 403(b), 457, 401a, and TSP plans, search your employer’s name, and you will get the investment allocation for your Risk or Investment Strategy (Super Growth, Growth, Moderate, Conservative or Super Conservative). 2. Next step is to log in to your employer-sponsored 401k / 401(k), 403b / 403(b), 457, 401a, and TSP plans and make an inter-fund transfer based on the investment allocation suggested by Plootus. No one offers you this advice for FREE! For a thorough analysis, link your financial accounts (bank, credit card, 401k / 401(k), 403b / 403(b), 457, 401a, and TSP plans) in a SECURE environment (SSL encryption) to understand your total Income and Expenses, Assets and Liabilities, and Net Worth. Our AI analyzes your spending habits and assists you in determining how much money you need for retirement based on your zip code. It takes the guesswork out. Plootus analyzes your spending pattern, life changes, and inflation, and determines how much you need to retire comfortably. We analyze 30+ expense categories, consider location and expected future expenses like healthcare, and provide a realistic picture of your retirement needs. The best part is, we don’t ask you to update any information manually that other tools will ask you to do. Our AI provides you with answers with minimal input and offers flexibility to make edits. Investors should consider their investment objectives and risks carefully before investing or making any changes to their investment options. Nothing in this communication should be construed as tax advice, a solicitation or offer, or recommendation, to buy/sell any security. ## Key features - AI-based retirement planning - Investment allocation suggestions - Retirement and income calculators - Low fee investment selection - Delegate to financial advisor - Analysis of employer-sponsored plans ## Recent user reviews (10 of 36) All indexed reviews: https://appshunter.io/ios/app/plootus-401k403b-simplified/id1311669590/reviews.md ### 5/5 — Budgeting Made Simple *2025-09-11, version 3.1* Budgeting with Plootus is simple. I can finally see where my money goes each month, which helps me stay on track as a student living on a tight budget. ### 5/5 — Student *2025-06-12, version 3.1* Plootus is a great company that actually brings value by helping optimize 401(k) plans. It’s a meaningful platform with useful features, solid advice, and a responsive customer support team. I really like that they focus on 401(k) optimization — not enough people think about their retirement, even though it’s such an important topic, especially these days. ### 5/5 — Amazing app *2024-10-31, version 3.1* Start planning for your financial future right here! ### 5/5 — A great resource! *2024-03-29, version 3.1* Plootus has been awesome is helping me determine my retirement income goals and what's needed to achieve those. I sincerely believe I’m on the right path - Plootus itself has been assisting with the tracking. It is promptly been notifying in terms of the necessary modifications required. ### 5/5 — Highly recommend this app! *2024-03-29, version 3.1* This is the easiest financial planning app that I have ever used! It makes 401k planning a breeze. ### 5/5 — Best App on the Market *2024-03-29, version 3.1* Plootus is the easiest to use and most efficient retirement planning app! After using multiple other apps, this was the most effective! ### 5/5 — Great 401k management tool *2024-03-29, version 3.1* Plootus has changed the way I manage my 401(k). With its intuitive interface and features, it offers an effective solution for optimizing retirement savings. The platform’s portfolio analysis tools provide valuable insights into asset allocation, risk tolerance, and performance tracking, empowering users to make informed investment decisions. One of the standout features of Plootus is its personalized recommendations tailored to individual financial goals and risk preferences. Whether you’re a novice investor or a seasoned pro, the platform offers actionable insights to help you maximize returns and minimize risk. Additionally, the ability to simulate different scenarios and adjust contributions allows for proactive retirement planning. In summary, Plootus is a game-changer for anyone looking to take control of their 401(k) investments. Its powerful features, personalized approach, and user-friendly interface make it an indispensable tool for long-term financial planning. ### 5/5 — Very easy 401k app and it’s free right now *2024-03-29, version 3.1* I have started using this recently and find it very easy to use. You can pick your risk strategy and Plootus selects best investment options from your employer 401k plan. They choose best performing and low fee funds to grow your retirement assets. You can also link your banks and credit cards and view income and expense summary, assets and liabilities at one place. ### 2/5 — Not as advertised *2024-03-10, version 3.1* The app suggests funds that aren’t in my employers plan. Also fractions of percentages which you can’t do. When I tried to link to my account with a high street named firm, it wouldn’t even come up. I will probably delete the app ### 5/5 — Best FREE app for 401k /403b *2023-06-11* I wish my employer provided this. I need to just search my employer name and Plootus provides me the best investment options analyzed by Plootus AI for my risk strategy (moderate). No silly questions and no strings attached. Retirement calculator is very intuitive and projects how much you need for retirement based on your zip code. You can also check if you are making the rough amount of contribution to ensure you are saving enough for retirement. I linked my banks, credit cards and trading account to see all income, expenses investments and liabilities at one place. Best of all if you want you can provide access to your financial advisor to help plan for you. The app is safe and secure and it’s read only and I cannot make any transactions on this app. ## Frequently asked questions about Plootus 401k/403b Simplified ### What does Plootus do? Plootus is an AI-powered app designed to help you optimize your retirement plans, such as 401k, 403b, and TSP. It analyzes your employer's plan to suggest the best investment options that offer lower fees and potentially better performance, aiming to help you achieve a happy and wealthy retirement. ### How does Plootus help with investments? The app uses Artificial Intelligence to analyze thousands of employer-sponsored retirement plans. It provides personalized investment allocation suggestions based on your risk strategy, helping you make informed inter-fund transfers within your existing 401k, 403b, or TSP accounts. ### Is Plootus free to use? Yes, Plootus offers its premium investment advice and services for free for a limited time. This includes analyzing your employer's plan and suggesting optimal investment allocations without promoting any specific fund family. ### What types of retirement plans does Plootus support? Plootus supports a wide range of employer-sponsored retirement plans commonly offered in the US, including 401k, 401(k), 403b, 403(b), 457, 401a, and Thrift Savings Plans (TSP). ### Can I delegate my retirement planning to someone else through the app? Yes, if you find managing your retirement plan yourself cumbersome, Plootus allows you to delegate the task to a financial advisor of your choice directly through the app. This provides an alternative for those who prefer professional guidance. ## Version history (last 5 releases) ### 3.1 — 2023-06-26 1. Clients can delegate access to their Financial Advisors for retirement and financial planning. 2. Financial Advisors can manage multiple clients through Plootus. They can view the complete financial position of their clients and advice them. 3. Added new employers. Just search your employer's name and let Plootus help you create an optimized portfolio from the list of investment options offered by your employer-sponsored 401k or 401(k), 403b or 403(b), 457, 401a, and Thrift Saving Plans (TSP). 4. We have further simplified the UI (User Interface) and fixed other bugs. 5. Switching jobs: We analyze both your old and current employer options. You can get a free investment allocation and decide to roll over to your new employer or keep with your old employer 6. Easier employer-search functionality 7. Better and more engaging visual representation of data and information 8. Bug fixes ### 3.0 — 2023-06-10 1. Clients can delegate access to their Financial Advisors for retirement and financial planning. 2. Financial Advisors can manage multiple clients through Plootus. They can view the complete financial position of their clients and advice them. 3. Added new employers. Just search your employer's name and let Plootus help you create an optimized portfolio from the list of investment options offered by your employer-sponsored 401k or 401(k), 403b or 403(b), 457, 401a, and Thrift Saving Plans (TSP). 4. We have further simplified the UI (User Interface) and fixed other bugs. 5. Switching jobs: We analyze both your old and current employer options. You can get a free investment allocation and decide to roll over to your new employer or keep with old employer 6. Easier employer-search functionality 7. Better and more engaging visual representation of data and information ### 2.6 — 2020-12-31 Bug fixes. Better Features and UI ### 2.2 — 2020-09-21 Updates: The user does not need to Log In or link their 401k account anymore to get Plootus recommended investments for their employer-sponsored 401k,403b,457, or TSP plans. For advanced users, who would like to see their complete financial status in one place, Plootus can help you link any number of the bank, credit account, retirement, and investment accounts. With the users' expense, income, assets, and liabilities data, Plootus's patent-pending algorithm creates a personal retirement plan specifying the amount of contribution, investment strategy, potential retirement year. Other updates: Bug fixes, Simplified User Interface ### 1.27 — 2020-05-10 A new simplified app that requires no linking of 401k account. Download Plootus app and search your employer and get allocation for your chosen investment strategy in less than 1 minute. ## Apps similar to Plootus 401k/403b Simplified | App | Rating | Price | Category | | --- | --- | --- | --- | | [Retirement Investing Simulator](https://appshunter.io/ios/app/retirement-investing-simulator/id1468286155) | 4.2 (61) | Free | Finance | | [PlanMode: Retirement Planner](https://appshunter.io/ios/app/planmode-retirement-planner/id979979311) | 4.3 (105) | Free | Finance | | [Best Retirement Calculator](https://appshunter.io/ios/app/best-retirement-calculator/id6736375058) | 4.3 (3) | Free | Finance | | [Retirement Calculator, Planner](https://appshunter.io/ios/app/retirement-calculator-planner/id1500376213) | 4.4 (307) | Free | Finance | | [When Can I Retire](https://appshunter.io/ios/app/when-can-i-retire/id1375094561) | 3.6 (60) | Free | Finance | | [NestEggs 401(k)](https://appshunter.io/ios/app/nesteggs-401k/id1580591095) | 4.0 (7) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-04.*