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Best Betterment 401K Apps

207+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated June 2026

The best betterment 401k apps on iPhone average 4.5★ across 207+ titles — we've ranked them by what real users actually keep on their phones. Updated June 2026.

Compare top Betterment 401K Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Betterment Invest & Save MoneyBetterment Invest & Save MoneyFree4.8★ (64K)YesNoAug 2026
2NetBenefitsNetBenefitsFree4.6★ (29K)NoNoAug 2026
3OneAmerica RetirementOneAmerica RetirementFree4.7★ (8.4K)NoNoJul 2026
4T. Rowe Price Personal®T. Rowe Price Personal®Free4.6★ (23K)NoNoAug 2026
5Capital Group PlanPremier401kCapital Group PlanPremier401kFree4.8★ (11K)NoNoAug 2026
6Choice: Bitcoin in your IRAChoice: Bitcoin in your IRAFree4.7★ (1.5K)NoNoAug 2026
7GuidelineGuidelineFree4.9★ (1.8K)NoNoAug 2026
8VoyaVoyaFree4.7★ (188K)NoNoAug 2026

Top Picks for Betterment 401K

Betterment Invest & Save Money#1

Betterment Invest & Save Money by Betterment

Investments & Cash Accounts
Editor's Choice
💰 Finance
4.8😐(64K ratings)
FreeAds
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Betterment Invest & Save Money screenshot 6

Automated investing and savings app to build long-term wealth and reach financial goals. Offers expert-built portfolios, high-yield cash accounts, and tools for self-directed investing. Start with as little as $10.

What We Love

  • 💰 High yield savings account
  • 🔍 Easy to link and manage accounts
  • 🤖 Automated investing and portfolio management
  • 👨‍💻 Responsive customer service

Room to Improve

  • 🤖 Automated investing underperforms manual investing
  • 🤔 Unclear account selection when making deposits
  • ⏱️ Slow transfer and withdrawal process
NetBenefits#2

NetBenefits by Fidelity Investments

Fidelity workplace benefits
Strong Contender
💰 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
OneAmerica Retirement#3

OneAmerica Retirement by American United Life Insurance Co Inc

OneAmerica Retirement Services
Worth Considering
💰 Finance
4.7😞(8.4K ratings)
Free
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Manage your retirement accounts on the go with this intuitive app. Access financial wellness resources, view your balance, and make changes to contributions and investments. Supports English and Spanish, with robust security measures.

What We Love

  • 👍 Easy to use
  • 🚀 Simple and intuitive
  • 💡 Potential for improvements

Room to Improve

  • 🐛 Frequent login issues
  • 🐛 Biometric login problems
  • 🐛 Buggy and unstable

More Betterment 401K apps to explore

4
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
5
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
6
Choice: Bitcoin in your IRA
Choice: Bitcoin in your IRA
Choice: Bitcoin in your IRA
Stack Sats, Crypto & Stocks
Free

Invest in Bitcoin, crypto, and stocks within a tax-advantaged retirement account. Set up a new IRA or roll over an existing one. Play daily for a chance to win free Bitcoin with no setup fees or minimums.

Invest in Bitcoin, crypto, and stocksTax-advantaged retirement accounts (IRA, 401k)Daily chance to win free Bitcoin (Blinko)
💰 Finance
(1.5K)
free
7
Guideline
Guideline
Guideline
Access your 401(k) anytime
Free

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.

Set up 401(k) in minutesAccess and manage contributionsInvest in recommended portfolios
💰 Finance
(1.8K)
free with in-app purchases
8
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
9
401GO
401GO
401GO
401k plan management
Free

Manage your 401(k) retirement savings with ease. Track your balance, adjust investments, and generate savings projections. Get personalized recommendations and update beneficiaries securely.

View account balance and gains/lossesReview and adjust investment allocationsGenerate savings projections
💰 Finance
(16)
free
10
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
11
Plootus 401k/403b Simplified
Plootus 401k/403b Simplified
Plootus 401k/403b Simplified
AI based Retirement Planning
Free

This app uses AI to help you optimize retirement plans like 401k and 403b, offering premium investment advice for free. It analyzes your employer's plan to suggest the best investments for lower fees and better performance, or allows you to delegate to an advisor.

AI-based retirement planningInvestment allocation suggestionsRetirement and income calculators
💰 Finance
(33)
free
12
NYC DCP
NYC DCP
NYC DCP
by New York City Deferred Compensation Plan
Free

Manage your retirement, health savings, and investment accounts alongside external financial accounts in one secure, personalized platform. Access interactive tools, educational resources, and investment advice to confidently plan for your financial future.

All-in-one account managementRetirement income modelingVideo education and live chat
💰 Finance
(12K)
free
13
Acorns: Save & Invest Money
Acorns: Save & Invest Money
Acorns: Save & Invest Money
ETF, Stock Investing & Savings
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
(956K)
subscription
14
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
15
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
16
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
17
Finhabits: Invest My Money
Finhabits: Invest My Money
Finhabits: Invest My Money
Invest, Learn, and Protect
Free

This app simplifies investing, saving, and learning about personal finance. It offers automated investment accounts, health insurance options, and educational resources to help users build a better financial future. Available in English and Spanish, it aims to make financial management accessible to everyone.

Automated investment accountsRetirement savings optionsHealth, dental, and vision insurance plans
💰 Finance
(22K)
free with in-app purchases
18
The Standard – My Retirement
The Standard – My Retirement
The Standard – My Retirement
by StanCorp Financial Group, Inc.
Free

Manage your retirement savings with this app. Track your balance, monitor progress toward goals, and adjust contributions. Review investment performance and access planning tools.

Check account balanceMonitor retirement goal progressChange contribution amounts
💰 Finance
(60)
free
19
REALtirement by Nationwide
REALtirement by Nationwide
REALtirement by Nationwide
by Nationwide Mutual Insurance Company
Free

Access and manage your retirement account information from any device, anytime. Easily view account details, adjust future contributions, exchange funds, and update your contact information. Enrollment is quick and simple, making retirement planning more convenient.

Up-to-date account informationManage on any deviceChange future contributions
💰 Finance
(5.6K)
free
20
GoRetire
GoRetire
GoRetire
by Epic Advisors, Inc
Free

Access your retirement account information conveniently on your mobile device. Get fast, easy, and up-to-date insights into your retirement savings.

Mobile retirement account accessFast information retrievalEasy to use interface
💰 Finance
(104)
free

FAQ about Betterment 401K

What are the best betterment 401k apps for iPhone?
Betterment Invest & Save Money tops our betterment 401k apps ranking as of June 2026, with a 4.8-star average from 64K App Store ratings, and it's free to download.
Yes — 20 of the top betterment 401k apps we rank are free to download, including Betterment Invest & Save Money and NetBenefits.
Betterment Invest & Save Money shows ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 207+ betterment 401k apps on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.
This app is an automated investing and savings platform designed to help users build long-term wealth and achieve their financial goals. It offers tools for both automated investing with expert-built portfolios and self-directed trading of individual stocks, ETFs, and mutual funds.
Key features include automated investing and savings, access to expert-built diversified portfolios, high-yield cash accounts with competitive APY, self-directed investing in stocks and ETFs with fractional shares, and tools for tax management like tax-loss harvesting. It also facilitates retirement and savings goal planning.