Best Guideline 401K Apps

249+ iOS apps curated and reviewed

3.9 avg rating
20 free apps
Updated August 2026

Whether you're new to guideline 401k or looking for an upgrade, our curated collection of 249+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Guideline 401K Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1GuidelineGuidelineFree4.9★ (1.8K)NoNoAug 2026
2NetBenefitsNetBenefitsFree4.6★ (29K)NoNoAug 2026
3Principal®Principal®Free4.8★ (232K)NoNoAug 2026
4Empower ®Empower ®Free4.8★ (400K)NoNoAug 2026
5Vista 401(k)Vista 401(k)FreeYesNoMay 2026
6T. Rowe Price Personal®T. Rowe Price Personal®Free4.6★ (23K)NoNoAug 2026
7PenServ Plan ServicesPenServ Plan ServicesFreeNoNoJul 2026
8John Hancock RetirementJohn Hancock RetirementFree4.7★ (36K)NoNoAug 2026

Top Picks for Guideline 401K

Guideline#1

Guideline by Gusto, inc.

Access your 401(k) anytime
Editor's Choice
💰 Finance
4.9😞(1.8K 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
NetBenefits#2

NetBenefits by Fidelity Investments

Fidelity workplace benefits
Strong Contender
💰 Finance
4.6😞(29K ratings)
Free
#48in 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
Principal®#3

Principal® by Principal Financial Group

Retire on your terms.
Worth Considering
💰 Finance
4.8😞(232K ratings)
Free
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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.

What We Love

  • 🚀 Easy to use
  • 👍 Convenient mobile access
  • 💡 Helpful investment tools
  • 🔒 Secure login process

Room to Improve

  • 🐛 Frequent crashes and bugs
  • ⏱️ Slow and laggy performance
  • 📊 Lacking key account information

More Guideline 401K 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
(400K)
free with in-app purchases
5
Vista 401(k)
Vista 401(k)
Vista 401(k)
by FBMC Benefits Management, Inc
Free
💼 Business
(0)
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
PenServ Plan Services
PenServ Plan Services
PenServ Plan Services
Finance
Free
💰 Finance
(0)
8
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
9
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
10
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
11
CMC Interactive, LLC
CMC Interactive, LLC
CMC Interactive, LLC
by CMC Interactive, LLC
Free

This app provides services for employer-sponsored retirement plans. It is designed to help users manage their retirement accounts with a focus on employer contributions and benefits.

Employer-sponsored retirement plan servicesRetirement account managementFocus on employer contributions
💰 Finance
(7)
free
12
BankPlus 401k
BankPlus 401k
BankPlus 401k
by Schwab Retirement Technologies Inc.
Free

Manage your retirement savings on the go. Enroll, forecast your income, monitor investments, and adjust contributions. Securely upload documents and access financial learning resources.

Retirement account enrollmentIncome forecastInvestment performance monitoring
💰 Finance
(1)
free
13
Definiti 401(k)
Definiti 401(k)
Definiti 401(k)
Your 401k at your fingertips
Free
💰 Finance
(0)
14
Invisor 401k
Invisor 401k
Invisor 401k
by Schwab Retirement Technologies Inc.
Free
💰 Finance
(0)
15
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
16
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
17
Planforge 401k
Planforge 401k
Planforge 401k
Pay Your Team, Not the IRS
Free

Access your employer-sponsored 401(k) plan securely and instantly. View your dashboard, sign forms electronically, set up auto-escalation, and receive personalized investment recommendations. Track deadlines and plan milestones with ease.

Personalized 401(k) dashboardElectronic form signingAuto-escalation setup
💰 Finance
(1)
free
18
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
19
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
20
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

FAQ about Guideline 401K

What are the best guideline 401k apps for iPhone?
Guideline tops our guideline 401k apps ranking as of August 2026, with a 4.9-star average from 1.8K App Store ratings, and it's free to download.
Yes — 20 of the top guideline 401k apps we rank are free to download, including Guideline and NetBenefits.
Guideline has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 249+ guideline 401k apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app allows users to easily set up and manage their 401(k) retirement accounts directly from their mobile devices. It provides tools to track progress, adjust contribution amounts, and consolidate savings from other retirement accounts into one place.
You can invest by taking a questionnaire that helps determine the right portfolio for you. The app also offers automatic rebalancing of your portfolio to help you stay on track with your retirement goals.