Best 401K App

197+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

Every iPhone needs a few good 401k app. We benchmark 197+ 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)NoYesJul 2026
2NetBenefitsNetBenefitsFree4.6★ (29K)NoNoJul 2026
3Fidelity InvestmentsFidelity InvestmentsFree4.8★ (3.2M)NoNoJul 2026
4Empower ®Empower ®Free4.8★ (397K)NoNoJul 2026
5VoyaVoyaFree4.7★ (188K)NoNoJul 2026
6T. Rowe Price Personal®T. Rowe Price Personal®Free4.6★ (23K)YesNoJul 2026
7READYSAVE™READYSAVE™Free4.9★ (6.7K)NoNoJul 2026
8Principal®Principal®Free4.8★ (230K)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
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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.

NetBenefits#2

NetBenefits by Fidelity Investments

Fidelity workplace benefits
Strong Contender
💰 Finance
4.6😞(29K ratings)
Free
#53in Finance
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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.

What We Love

  • 👍 Easy to use
  • 🚀 Convenient mobile access
  • 🔒 Secure document upload
  • 💡 Helpful retirement planning tools

Room to Improve

  • 🐛 Buggy and glitchy
  • 🕸️ Feels like a mobile website, not a true app
  • 🤔 Confusing navigation and user experience
Fidelity Investments#3

Fidelity Investments by Fidelity Investments

Invest, save, plan in one app.
Worth Considering
💰 Finance
4.8😐(3.2M ratings)
Free
#15in Finance
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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
Empower ®
Empower ®
Empower ®
Plan, save, invest, retire
Free

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.

Consolidated account viewRetirement planningBudget tracking
💰 Finance
(397K)
free with in-app purchases
5
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
6
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
7
READYSAVE™
READYSAVE™
READYSAVE™
by Ascensus Inc
Free

Manage your retirement savings with secure login, account balance checks, and investment tracking. Get personalized guidance to adjust your savings rate and build confidence for your future.

Secure login (Face ID, Touch ID, passcode)View account balances and transaction historyTrack investments and rate of return
💰 Finance
(6.7K)
free
8
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
(230K)
free with in-app purchases
9
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
10
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
11
John Hancock Retirement
John Hancock Retirement
John Hancock Retirement
by John Hancock
Free

Manage your retirement plan securely and conveniently on the go. Access account details, make changes, and set financial goals with real-time projections. Utilize educational resources for personal finance and wellness.

Manage retirement plan accountView account balance and historyUpdate contribution rates
💰 Finance
(36K)
free
12
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
(4.3M)
free with in-app purchases
13
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
14
Capital Group PlanPremier401k
Capital Group PlanPremier401k
Capital Group PlanPremier401k
Manage your 401k
Free

Manage your employer-sponsored retirement plan, view account details like income estimates and rates of return, and make changes to contributions, investments, and beneficiaries. Access plan forms and upload documents for account updates.

View retirement income estimatesCheck personal rate of returnManage contribution amounts
💰 Finance
(11K)
ad-supported
15
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
(11)
ad-supported
16
Capital Group RKDirect 401k
Capital Group RKDirect 401k
Capital Group RKDirect 401k
Manage your 401k
Free

Manage your employer-sponsored retirement plan on the go. View account details like balances, rates of return, and transaction history. Make changes to your investments, contribution allocations, and personal information as permitted by your plan.

View account balancesCheck personal rate of returnReview transaction history
💰 Finance
(11K)
free
17
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
18
Acorns: Save & Invest Money
Acorns: Save & Invest Money
Acorns: Save & Invest Money
Grow Your Financial Wellness
Free

This app automates saving, investing, and spending to help you grow your financial wellness. It allows you to invest spare change, set recurring investments, and even invest in Bitcoin. You can also save for emergencies, retirement, and your children's futures.

Automated investingInvest spare changeRecurring investments
💰 Finance
(955K)
subscription
19
M1: Invest & Bank Smarter
M1: Invest & Bank Smarter
M1: Invest & Bank Smarter
Manage Money, Build Wealth
Free

This finance app simplifies wealth building by offering integrated earning, investing, and borrowing features. Manage cash with high yields, build custom investment portfolios with automated rebalancing, and access competitive margin rates, all within a secure platform.

High-Yield Cash AccountCustomizable Investment Portfolios (Pies)Automatic Rebalancing
💰 Finance
(74K)
free with in-app purchases
20
J.P. Morgan Retirement Link
J.P. Morgan Retirement Link
J.P. Morgan Retirement Link
J.P. Morgan Retirement Link
Free

Securely access your retirement account anytime, anywhere. Track your progress towards your retirement goal, manage investments, and research loan details. Enhanced security features protect your personal information.

Retirement plan registration and enrollmentView account balances and progressModify contributions, asset allocations, and beneficiaries
💰 Finance
(4.3K)
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 NetBenefits.
401k: Your Retirement Guide has no ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 197+ 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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