Best Gusto 401K Apps

247+ iOS apps curated and reviewed

4.1 avg rating
20 free apps
Updated July 2026

If you already know Guideline, this is the deeper bench. 247+ gusto 401k apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of July 2026.

Compare top Gusto 401K Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1GuidelineGuidelineFree4.9★ (1.8K)NoNoAug 2026
2Vista 401(k)Vista 401(k)FreeYesNoMay 2026
3Oriental 401K PlanOriental 401K PlanFree1.6★ (5)NoNoMay 2026
4NetBenefitsNetBenefitsFree4.6★ (29K)NoNoAug 2026
5Definiti 401(k)Definiti 401(k)FreeNoNoJul 2026
6BNC 401(k)BNC 401(k)FreeNoNoJul 2026
7Invisor 401kInvisor 401kFreeNoNoJul 2026
8401GO401GOFree4.8★ (16)NoNoJun 2026

Top Picks for Gusto 401K

Guideline#1

Guideline by Gusto, inc.

Access your 401(k) anytime
Editor's Choice
💰 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 Gusto 401K apps to explore

4
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
5
Definiti 401(k)
Definiti 401(k)
Definiti 401(k)
Your 401k at your fingertips
Free
💰 Finance
(0)
6
BNC 401(k)
BNC 401(k)
BNC 401(k)
by Schwab Retirement Technologies Inc.
Free
💰 Finance
(0)
7
Invisor 401k
Invisor 401k
Invisor 401k
by Schwab Retirement Technologies Inc.
Free
💰 Finance
(0)
8
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
9
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
10
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
11
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
12
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
13
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
14
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
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
Facet: Financial Planning
Facet: Financial Planning
Facet: Financial Planning
Flat fee, CFP®, investing
Free

This app provides comprehensive financial planning and investment management services. Users can track goals, message financial advisors, view account balances, and access market insights. It offers a personalized roadmap to achieve financial objectives with expert guidance.

Personalized financial roadmapCFP® professional guidanceInvestment management
💰 Finance
(8)
free
17
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
18
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
19
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
20
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

FAQ about Gusto 401K

What are the best gusto 401k apps for iPhone?
Guideline tops our gusto 401k apps ranking as of July 2026, with a 4.9-star average from 1.8K App Store ratings, and it's free to download.
Yes — 20 of the top gusto 401k apps we rank are free to download, including Guideline and Vista 401(k).
Guideline has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 247+ gusto 401k apps on the iOS App Store as of July 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.