Best Accrue 401K Apps

250+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated August 2026

Vestwell is the household name in accrue 401k, but it's far from the only option. We track 250+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Accrue 401K Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1VestwellVestwellFree4.3★ (120)NoNoJul 2026
2GuidelineGuidelineFree4.9★ (1.8K)NoNoAug 2026
3Vanguard: Save, Invest, RetireVanguard: Save, Invest, RetireFree4.6★ (177K)YesNoJul 2026
4Empower ®Empower ®Free4.8★ (400K)NoNoAug 2026
5NetBenefitsNetBenefitsFree4.6★ (29K)NoNoAug 2026
6Fidelity InvestmentsFidelity InvestmentsFree4.8★ (3.2M)NoNoAug 2026
7Principal®Principal®Free4.8★ (232K)NoNoAug 2026
8T. Rowe Price Personal®T. Rowe Price Personal®Free4.6★ (23K)NoNoAug 2026

Top Picks for Accrue 401K

Vestwell#1

Vestwell by Vestwell Holdings Inc.

For the future.
Editor's Choice
💰 Finance
4.3(120 ratings)
Free
Vestwell screenshot 1
Vestwell screenshot 2
Vestwell screenshot 3
Vestwell screenshot 4
Vestwell screenshot 5
Vestwell screenshot 6

This app helps users build their financial future by providing accessible and intuitive savings solutions for retirement, education, disability, and emergencies. Manage your accounts, track progress, and access funds seamlessly from your mobile device.

What We Love

  • 👍 Easy to use and intuitive
  • 👍 Clean and simple design
  • 👍 Mirrors desktop version well
  • 👍 Convenient to manage retirement and emergency savings

Room to Improve

  • 🐛 Login issues and app freezing
  • 🔒 Lack of biometric login options
  • 🔒 Requires MFA code every time
Guideline#2

Guideline by Gusto, inc.

Access your 401(k) anytime
Strong Contender
💰 Finance
4.9😞(1.8K ratings)
Free
Guideline screenshot 1
Guideline screenshot 2
Guideline screenshot 3
Guideline screenshot 4
Guideline screenshot 5
Guideline screenshot 6

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.

What We Love

  • 👍 Simple and easy to use UI
  • 💡 Streamlined app experience
  • 🚀 Excellent app performance

Room to Improve

  • 🐛 Login and authentication issues
  • 🔋 Frequent app crashes and freezes
  • 💰 Increasing account fees

More Accrue 401K apps to explore

3
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
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
(400K)
free with in-app purchases
5
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
6
Fidelity Investments
Fidelity Investments
Fidelity Investments
Invest, save, plan in one app.
Free

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.

Invest in stocks, ETFs, mutual fundsTrade cryptocurrenciesCash management and bill pay
💰 Finance
(3.2M)
free with in-app purchases
7
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
8
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
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
Invisor 401k
Invisor 401k
Invisor 401k
by Schwab Retirement Technologies Inc.
Free
💰 Finance
(0)
11
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
12
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
13
Vista 401(k)
Vista 401(k)
Vista 401(k)
by FBMC Benefits Management, Inc
Free
💼 Business
(0)
14
Alerus Retirement
Alerus Retirement
Alerus Retirement
Participant Account Access
Free

Access your employer-sponsored retirement plan account on the go. View balances, track investments, monitor contributions, and manage your account securely. Perform transfers and make allocation changes with ease.

Check account balancesView investment performanceMonitor contributions
💰 Finance
(997)
free
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
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
Online Banking & Investing
Free

Manage your banking, investments, and cryptocurrency all in one place. This app offers fee-free checking, high-yield savings, commission-free stock trading, and the ability to buy, sell, and hold over 25 cryptocurrencies. It also provides tools for loan pre-qualification and credit score monitoring.

Buy, sell, and hold cryptocurrencyFee-free checking accountHigh-yield savings account
💰 Finance
(386K)
free with in-app purchases
17
Wealthfront: Save and Invest
Wealthfront: Save and Invest
Wealthfront: Save and Invest
Saving, investing, stocks.
Free

This app offers a high-yield cash account, automated investing with expert-built portfolios, and commission-free stock trading. It provides a consolidated view of your finances to help you build wealth and plan for retirement.

High-yield cash account with APYAutomated ETF portfoliosCommission-free stock and ETF investing
💰 Finance
(17K)
free with in-app purchases
18
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
19
Definiti 401(k)
Definiti 401(k)
Definiti 401(k)
Your 401k at your fingertips
Free
💰 Finance
(0)
20
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

FAQ about Accrue 401K

What are the best accrue 401k apps for iPhone?
Vestwell tops our accrue 401k apps ranking as of August 2026, with a 4.3-star average from 120 App Store ratings, and it's free to download.
Yes — 20 of the top accrue 401k apps we rank are free to download, including Vestwell and Guideline.
Vestwell has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 250+ accrue 401k apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
The Vestwell app is a comprehensive financial platform designed to help users build their future savings. It offers solutions for retirement, education, disability, and emergency savings, making saving more accessible and intuitive.
Key features include tracking savings goals, managing investment strategies, consolidating accounts, designating beneficiaries, initiating withdrawals or loans, and accessing financial education resources. The app provides the full functionality of the web portal for seamless mobile management.