Best Gusto Retirement Apps

250+ iOS apps curated and reviewed

4.0 avg rating
20 free apps
Updated September 2026

Guideline is the household name in gusto retirement, 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 Gusto Retirement Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1GuidelineGuidelineFree4.9★ (1.9K)NoNoSep 2026
2John Hancock RetirementJohn Hancock RetirementFree4.7★ (37K)NoNoSep 2026
3Gusto MobileGusto MobileFree4.8★ (50K)NoNoSep 2026
4NetBenefitsNetBenefitsFree4.6★ (29K)NoNoSep 2026
5Paychex FlexPaychex FlexFree4.8★ (575K)NoNoSep 2026
6Retiro - Retirement CountdownRetiro - Retirement CountdownFreeYesYesAug 2026
7Etiqa Retirement ToolEtiqa Retirement ToolFreeNoMay 2026
8Vista 401(k)Vista 401(k)FreeYesNoMay 2026

Top Picks for Gusto Retirement

Guideline#1

Guideline by Gusto, inc.

Access your 401(k) anytime
Editor's Choice
💰 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
4.7😞(37K ratings)
Free
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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.

What We Love

  • 🔒 Robust security features
  • 👍 Easy to use
  • 🚀 Quick access to account information

Room to Improve

  • 🐛 Frequent technical issues and app crashes
  • 📉 Lack of detailed portfolio information
  • 🤔 Confusing and outdated user interface
  • 🔍 Difficulty accessing transaction history
Gusto Mobile#3

Gusto Mobile by Gusto, inc.

Small business payroll & HR
Worth Considering
💰 Finance
4.8😐(50K ratings)
Free
#64in Finance
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This app simplifies payroll, time tracking, and employee management for small businesses. It offers features for both employers to run payroll and manage their team, and for employees to access paychecks, track time, and manage benefits on the go.

What We Love

  • 💰 Wage advances and budgeting tools
  • 🕰️ Early pay feature
  • 📊 Helpful tracking and statistics
  • 👍 User-friendly and efficient
  • 🔒 Secure and trustworthy

Room to Improve

  • 🐛 Frequent app crashes and glitches
  • ⏱️ Slow load times and app performance issues
  • 🔒 Difficulty accessing and managing accounts
  • 🔍 Unclear policies and lack of transparency
  • ❌ Poor customer service and unresponsive support

More Gusto Retirement apps to explore

FAQ about Gusto Retirement

What are the best gusto retirement apps for iPhone?
Guideline tops our gusto retirement apps ranking as of September 2026, with a 4.9-star average from 1.9K App Store ratings, and it's free to download.
Yes — 20 of the top gusto retirement apps we rank are free to download, including Guideline and John Hancock Retirement.
Guideline has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 250+ gusto retirement apps on the iOS App Store as of September 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.