Best Gusto Retirement Apps

250+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated July 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 โ€” many free, many higher-rated than you'd expect.

Compare top Gusto Retirement Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1GuidelineGuidelineFree4.9โ˜… (1.8K)NoNoAug 2026
2John Hancock RetirementJohn Hancock RetirementFree4.7โ˜… (36K)NoNoAug 2026
3NetBenefitsNetBenefitsFree4.6โ˜… (29K)NoNoAug 2026
4Wipfli RetirementWipfli RetirementFreeโ€”NoNoMay 2026
5VoyaVoyaFree4.7โ˜… (188K)NoNoAug 2026
6TCO RetirementTCO RetirementFree4.0โ˜… (1)NoNoAug 2026
7Work, Save, RetireWork, Save, RetireFree1.5โ˜… (28)NoNoJul 2026
8Etiqa Retirement ToolEtiqa Retirement ToolFreeโ€”โ€”NoMay 2026

Top Picks for Gusto Retirement

Guideline#1

Guideline by Gusto, inc.

Access your 401(k) anytime
Editor's Choice
๐Ÿ’ฐ Finance
4.9๐Ÿ˜ž(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

  • ๐Ÿ‘ Simple and easy to use UI
  • ๐Ÿ’ก Streamlined app experience
  • ๐Ÿš€ Excellent app performance

Room to Improve

  • ๐Ÿ› Login and authentication issues
  • ๐Ÿ”‹ Frequent app crashes and freezes
  • ๐Ÿ’ฐ Increasing account fees
John Hancock Retirement#2

John Hancock Retirement by John Hancock

Strong Contender
๐Ÿ’ฐ Finance
4.7๐Ÿ˜ž(36K ratings)
Free
John Hancock Retirement screenshot 1
John Hancock Retirement screenshot 2
John Hancock Retirement screenshot 3
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John Hancock Retirement screenshot 5
John Hancock Retirement screenshot 6

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

  • ๐Ÿ”’ Robust security features
  • ๐Ÿ‘ Easy to use
  • ๐Ÿš€ Quick access to account information

Room to Improve

  • ๐Ÿ› Frequent technical issues and app crashes
  • ๐Ÿ“‰ Lack of detailed portfolio information
  • ๐Ÿค” Confusing and outdated user interface
NetBenefits#3

NetBenefits by Fidelity Investments

Fidelity workplace benefits
Worth Considering
๐Ÿ’ฐ Finance
4.6๐Ÿ˜ž(29K ratings)
Free
#60in Finance
NetBenefits screenshot 1
NetBenefits screenshot 2
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NetBenefits screenshot 4
NetBenefits screenshot 5
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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

  • ๐Ÿ‘ Easy to use
  • ๐Ÿš€ Convenient mobile access
  • ๐Ÿ”’ Secure document upload
  • ๐Ÿ’ก Helpful retirement planning tools

Room to Improve

  • ๐Ÿ› Buggy and glitchy
  • ๐Ÿ•ธ๏ธ Feels like a mobile website, not a true app
  • ๐Ÿค” Confusing navigation and user experience

More Gusto Retirement apps to explore

4
Wipfli Retirement
Wipfli Retirement
Wipfli Retirement
by JULY BUSINESS SERVICES INC
Free
๐Ÿ’ฐ Finance
(0)
5
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
๐Ÿ’ฐ Finance
(188K)
free
6
TCO Retirement
TCO Retirement
TCO Retirement
by THE TRUST COMPANY OF OKLAHOMA
Free

Manage your employer-sponsored retirement plan. View your account balance, transaction history, and investment performance. Stay informed about your financial future.

Review retirement plan accountsView account balanceAccess transaction history
๐Ÿ’ฐ Finance
(1)
free
7
Work, Save, Retire
Work, Save, Retire
Work, Save, Retire
Easily Access Retirement Plan
Free

This app serves as a retirement roadmap, guiding users from their current financial standing to their desired future. It allows for easy monitoring and management of retirement plan accounts.

Retirement roadmap guidanceMonitor retirement plan accountsManage retirement plan accounts
๐Ÿ’ฐ Finance
(28)
free
8
Etiqa Retirement Tool
Etiqa Retirement Tool
Etiqa Retirement Tool
by Scream Interactive Sdn Bhd
Free
๐Ÿ’ฐ Finance
(0)
9
The Retirement Roadmap Academy
The Retirement Roadmap Academy
The Retirement Roadmap Academy
The Retirement Roadmap Academy
Free
๐Ÿ“š Education
(0)
10
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
๐Ÿ’ฐ Finance
(3.2M)
free with in-app purchases
11
BEON Retirement Account Access
BEON Retirement Account Access
BEON Retirement Account Access
by Schwab Retirement Technologies Inc.
Free
๐Ÿ’ฐ Finance
(0)
12
Retirement Income Solutions
Retirement Income Solutions
Retirement Income Solutions
by Retirement Income Solutions, Inc
Free
๐Ÿ’ฐ Finance
(0)
13
The Standard โ€“ My Retirement
The Standard โ€“ My Retirement
The Standard โ€“ 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
๐Ÿ’ฐ Finance
(60)
free
14
C&N Retirement
C&N Retirement
C&N Retirement
by JULY BUSINESS SERVICES INC
Free
๐Ÿ’ฐ Finance
(0)
15
Principalยฎ
Principalยฎ
Principalยฎ
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
๐Ÿ’ฐ Finance
(232K)
free with in-app purchases
16
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
๐Ÿ’ฐ Finance
(997)
free
17
Empower ยฎ
Empower ยฎ
Empower ยฎ
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
๐Ÿ’ฐ Finance
(400K)
free with in-app purchases
18
Selma โ€“ investing & retirement
Selma โ€“ investing & retirement
Selma โ€“ investing & retirement
Automated wealth management
Free

Automate your wealth management and plan for the future with AI-powered investment strategies. Track your portfolio, explore projections, and make informed long-term financial decisions. Start investing with low minimums and transparent fees.

Automated wealth managementPersonalized investment strategiesAI-powered financial advice
๐Ÿ’ฐ Finance
(1)
free
19
My Retirement
My Retirement
My Retirement
by Nationwide Mutual Insurance Company
Free

Access your employer-sponsored retirement plan on the go. View account balances, asset breakdowns, and manage contributions. Plan your retirement readiness with integrated financial planning tools.

Account balance viewingAsset class breakdownsContribution management
๐Ÿ’ฐ Finance
(23K)
free
20
Retiro - Retirement Countdown
Retiro - Retirement Countdown
Retiro - Retirement Countdown
Track days until you retire!
Free
๐Ÿ”ง Utilities
(0)

FAQ about Gusto Retirement

What are the best gusto retirement apps for iPhone?
Guideline tops our gusto retirement 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 โ€” 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 July 2026.
We track 250+ gusto retirement 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.