Best 401K App

245+ iOS apps curated and reviewed

4.1 avg rating
20 free apps
Updated July 2026

Every iPhone needs a few good 401k app. We benchmark 245+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top 401K App (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1401k: Your Retirement Guide401k: Your Retirement GuideFree4.8★ (13)NoYesAug 2026
2Empower ®Empower ®Free4.8★ (400K)NoNoAug 2026
3Fidelity InvestmentsFidelity InvestmentsFree4.8★ (3.2M)NoNoAug 2026
4NetBenefitsNetBenefitsFree4.6★ (29K)NoNoAug 2026
5Principal®Principal®Free4.8★ (232K)NoNoAug 2026
6PensionBee: Roll over 401(k)sPensionBee: Roll over 401(k)sFree4.7★ (13)YesNoAug 2026
7T. Rowe Price Personal®T. Rowe Price Personal®Free4.6★ (23K)NoNoAug 2026
8Vanguard: Save, Invest, RetireVanguard: Save, Invest, RetireFree4.6★ (177K)YesNoJul 2026

Top Picks for 401K App

401k: Your Retirement Guide#1

401k: Your Retirement Guide by Jake's Quiz Ltd

Capital Financial Benefits Pro
Editor's Choice
🔧 Utilities
4.8(13 ratings)
FreeIn-App Purchases
401k: Your Retirement Guide screenshot 1
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401k: Your Retirement Guide screenshot 6

This app provides a comprehensive guide to 401(k) savings, offering tools for growth projections, Roth conversions, and step-by-step advice for common retirement scenarios. It includes interactive quizzes and an instant FAQ section to simplify financial planning.

Empower ®#2

Empower ® by Empower Retirement, LLC

Plan, save, invest, retire
Strong Contender
💰 Finance
4.8😞(400K ratings)
Free
#41in Finance
Empower ® screenshot 1
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This app provides a comprehensive financial overview, consolidating all your accounts in one place. It offers tools to plan for retirement, manage budgets, track net worth, and simulate financial scenarios, making financial management clearer and simpler.

What We Love

  • 👍 Good product overall
  • 🚀 Sleek design and robust performance
  • 🔒 Excellent customer service and support

Room to Improve

  • 🐛 Buggy and unreliable app
  • ⏱️ Slow loading times
  • 🤔 Missing key features and functionality
Fidelity Investments#3

Fidelity Investments by Fidelity Investments

Invest, save, plan in one app.
Worth Considering
💰 Finance
4.8😐(3.2M ratings)
Free
#11in Finance
Fidelity Investments screenshot 1
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Invest in stocks, ETFs, and cryptocurrencies with professional insights and powerful tools. Manage cash, pay bills, and automate investments. Offers 24/7 support and robust account protection.

What We Love

  • 🚀 Efficient app with quick access to accounts
  • 🔒 Secure login process
  • 👍 Comprehensive research and data tools
  • 💡 Ability to link external accounts for full financial view

Room to Improve

  • 🐛 Inaccurate account information and performance data
  • 🔍 Cluttered and unintuitive user interface
  • 🔍 Difficult to navigate and find desired features

More 401K App apps to explore

4
NetBenefits
NetBenefits
NetBenefits
Fidelity workplace benefits
Free

Manage your Fidelity workplace benefits, including retirement savings, stock options, health insurance, and HSAs. Track account balances, investments, and expenses. Plan for your future with personalized tools and educational resources.

Manage retirement savingsAccess stock optionsView health insurance details
💰 Finance
(29K)
free
5
Principal®
Principal®
Principal®
Retire on your terms.
Free

Manage your retirement savings and financial goals from your mobile device. Track account balances, adjust contributions, and access educational resources to improve your financial confidence. Tools are available to help you assess your progress towards retirement.

View account balancesRoll over fundsChange contributions
💰 Finance
(232K)
free with in-app purchases
6
PensionBee: Roll over 401(k)s
PensionBee: Roll over 401(k)s
PensionBee: Roll over 401(k)s
Roll over your old 401(k)s
Free

Consolidate your old 401(k)s and IRAs into one easy-to-manage retirement account. Choose your IRA type, access your savings 24/7, and receive personalized support from dedicated account managers. Plan confidently for your future with flexible investment options and transparent fees.

Consolidate 401(k)s and IRAsChoose Traditional, Roth, or SEP IRA1% rollover match available
💰 Finance
(13)
ad-supported
7
T. Rowe Price Personal®
T. Rowe Price Personal®
T. Rowe Price Personal®
INVEST WITH CONFIDENCE®
Free

Manage your entire investment portfolio, including external accounts, in one place. Track performance, make informed decisions with personalized insights, and execute trades quickly and securely. Access educational resources and dedicated support to help you achieve your financial goals.

Consolidated portfolio viewExternal account linkingDetailed fund performance
💰 Finance
(23K)
free
8
Vanguard: Save, Invest, Retire
Vanguard: Save, Invest, Retire
Vanguard: Save, Invest, Retire
Investing, Advice, Retirement
Free

Manage your investments and retirement accounts on the go. Track account performance, make trades, and deposit checks directly. Access account overviews and transaction history with ease.

Account overview and balance trackingInvestment performance trackingCost basis and day change details
💰 Finance
(177K)
free
9
Voya
Voya
Voya
by Voya Services Company
Free

Manage your entire financial life from one secure app. Track retirement, health savings, and investment accounts, alongside external banking and credit card information. Receive personalized guidance and access interactive tools to help you achieve your financial goals.

All-in-one account aggregationPersonalized financial guidanceRetirement income modeling
💰 Finance
(188K)
free
10
Transamerica Retirement App
Transamerica Retirement App
Transamerica Retirement App
by Transamerica Retirement Solutions, LLC
Free

Manage your retirement savings and investments on the go. Access account balances, track performance, and adjust savings or investment strategies. Utilize tools to project future retirement outlook based on your current plan.

On-the-go account accessView account balance and performanceAdjust savings rate
💰 Finance
(3.2K)
free
11
Definiti 401(k)
Definiti 401(k)
Definiti 401(k)
Your 401k at your fingertips
Free
💰 Finance
(0)
12
1st 401k
1st 401k
1st 401k
by 1st Source Corporation
Free

Manage your employer-sponsored retirement plan through this app. Review your account details and access services provided by 1st Source Bank. Available in English and Spanish.

Retirement plan managementAccount reviewEmployer-sponsored plan access
💰 Finance
(1)
free
13
Schwab Mobile
Schwab Mobile
Schwab Mobile
Own your tomorrow®
Free

Manage your investments, research market trends, and conduct banking all within a single application. Track your portfolio, deposit checks, and trade stocks, ETFs, and options with intuitive tools and real-time insights.

Consolidated account viewMobile check depositIntuitive trade ticket
💰 Finance
(1.2M)
free with in-app purchases
14
Invisor 401k
Invisor 401k
Invisor 401k
by Schwab Retirement Technologies Inc.
Free
💰 Finance
(0)
15
MVP 401k Benefits
MVP 401k Benefits
MVP 401k Benefits
Retirement. Define it.
Free

Manage your retirement savings with ease. Access account details, track investments, and forecast your future income. Securely enroll, make changes to contributions, and learn about financial planning.

Biometric loginCheck balances and transactionsRetirement income forecast
💰 Finance
(6)
free
16
Paychex Flex
Paychex Flex
Paychex Flex
by Paychex, Inc
Free

This app connects employers and employees to essential payroll and benefits functions. Employers can submit payroll, access reports, and view employee data. Employees can view pay stubs, manage retirement contributions, and access benefit details.

Submit payroll on the goAccess payroll reportsView employee pay stubs and tax documents
💼 Business
(573K)
free
17
Milliman Mobile Benefits
Milliman Mobile Benefits
Milliman Mobile Benefits
by Milliman, Inc.
Free

Access and manage your employer-sponsored retirement plan details conveniently and securely on your mobile device. View contributions, investments, statements, and personal rates of return. Make changes to savings and fund transfers directly from the app.

View account detailsManage contributionsTrack investments
💰 Finance
(6.6K)
free
18
ADP Mobile Solutions
ADP Mobile Solutions
ADP Mobile Solutions
HR for Employees & Managers
Free

Access payroll, time, benefits, and HR information for yourself and your team. Track time, view pay statements, manage time off, and connect with colleagues. Managers can approve requests and view team calendars.

View pay & W2 statementsRequest and approve time offTrack time & attendance (punch in/out, timesheets)
💼 Business
(4.4M)
free with in-app purchases
19
Oriental 401K Plan
Oriental 401K Plan
Oriental 401K Plan
To access your 401K account in
Free

Manage your retirement savings on the go. View your balance, track performance, and adjust contributions securely. Access financial wellness resources to help you reach your future goals.

Secure account accessView balance and performanceTrack investment mix
💰 Finance
(5)
free
20
NestEggs 401(k)
NestEggs 401(k)
NestEggs 401(k)
by Schwab Retirement Technologies Inc.
Free

Manage your retirement savings on the go. Enroll in your plan, forecast future income, monitor your balance and investments, and adjust contributions. Access a financial learning center and manage account settings securely.

Retirement account enrollmentIncome forecastBalance and investment monitoring
💰 Finance
(7)
free

FAQ about 401K App

What is the best 401k app for iPhone?
401k: Your Retirement Guide tops our 401k app ranking as of July 2026, with a 4.8-star average from 13 App Store ratings, and it's free to download.
Yes — 20 of the top 401k app we rank are free to download, including 401k: Your Retirement Guide and Empower ®.
401k: Your Retirement Guide has no ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 245+ 401k app on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
401k: Your Retirement Guide is a paid app with a one-time purchase price of $4.99 for full access. This provides all features without ongoing subscription fees.
401k: Your Retirement Guide is available on iPhone, iPad, and iPod devices. It is designed to be compatible with Apple's iOS ecosystem.

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