Best Accrue 401K Apps

250+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 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 (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1VestwellVestwellFree4.3★ (137)NoNoSep 2026
2GuidelineGuidelineFree4.9★ (1.9K)NoNoSep 2026
3NetBenefitsNetBenefitsFree4.6★ (29K)NoNoSep 2026
4Vanguard: Save, Invest, RetireVanguard: Save, Invest, RetireFree4.6★ (177K)YesNoJul 2026
5Empower ®Empower ®Free4.8★ (412K)NoNoSep 2026
6Fidelity InvestmentsFidelity InvestmentsFree4.8★ (3.3M)NoNoSep 2026
7Principal®Principal®Free4.8★ (236K)NoNoSep 2026
8SoFi: Bank, Invest & CryptoSoFi: Bank, Invest & CryptoFree4.7★ (385K)NoNoSep 2026

Top Picks for Accrue 401K

Vestwell#1

Vestwell by Vestwell Holdings Inc.

For the future.
Editor's Choice
💰 Finance
4.3😞(137 ratings)
Free
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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

  • 👍 User-friendly and easy to use
  • 👍 Can find everything quickly
  • 👍 Able to change investments and deferral rates
  • 👍 Clean app design
  • 👍 All features available on mobile
  • 👍 Mirrors desktop version well
  • 👍 Easy to navigate
  • 👍 Clear and easy to use
  • 👍 See 401k and emergency savings in one place
  • 👍 Intuitive app for savings journey
  • 👍 Provides same level of function as laptop

Room to Improve

  • 🐛 App is glitchy and malfunctioning
  • 🐛 Login screen freezes
  • 🐛 App is slow and difficult to use
  • 🐛 Not optimized for iPhone
  • 🐛 App is just a mobile website in a container
  • 🐛 UI fixes needed
  • 🐛 Login screen locks and doesn't process
  • 🐛 Blank screen on opening
  • 🐛 Impossible to get past sign-in screen
  • 🐛 Freezes and throws back to welcome screen
  • 🐛 Annoying biometric login loop
  • 🐛 App opens and closes
  • 🐛 Hard to get into the app
  • 🐛 Underwhelming experience
  • 🐛 Glitch freeze after login
  • 🐛 Useless app
  • 🐛 Logs in, then blank page
  • 🐛 Planned downtime lasts days
  • 🐛 Inaccessible for days
  • 🐛 Bad update
  • 🐛 Freezes on light yellow blank screen
  • 🐛 Cannot access account
  • 🐛 Endless login loop
  • 🐛 Does not work
  • 🐛 App doesn't load anymore
  • 🐛 Will not load account information
  • 🐛 Bad UX
  • 🐛 Difficult to navigate and complete tasks
  • 🐛 Server error message
Guideline#2

Guideline by Gusto, inc.

Access your 401(k) anytime
Strong Contender
💰 Finance
4.9😞(1.9K ratings)
Free
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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
  • 🚫 Lack of dark mode support
NetBenefits#3

NetBenefits by Fidelity Investments

Fidelity workplace benefits
Worth Considering
💰 Finance
4.6😞(29K ratings)
Free
#46in 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
  • ⏱️ Slow performance and long load times

More Accrue 401K apps to explore

FAQ about Accrue 401K

What are the best accrue 401k apps for iPhone?
Vestwell tops our accrue 401k apps ranking as of September 2026, with a 4.3-star average from 137 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 September 2026.
We track 250+ accrue 401k apps on the iOS App Store as of September 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.