Best Merrill Lynch 401K Apps

193+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

With an average user rating of 4.6โ˜…, the merrill lynch 401k category is one of the App Store's strongest. Browse all 193+ apps we track, sorted so the most loved ones surface first.

Compare top Merrill Lynch 401K Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1NetBenefitsNetBenefitsFree4.6โ˜… (29K)NoNoAug 2026
2Vanguard: Save, Invest, RetireVanguard: Save, Invest, RetireFree4.6โ˜… (177K)YesNoJul 2026
3M1: Invest & Bank SmarterM1: Invest & Bank SmarterFree4.7โ˜… (74K)YesNoAug 2026
4J.P. Morgan Retirement LinkJ.P. Morgan Retirement LinkFree4.8โ˜… (4.3K)NoNoAug 2026
5T. Rowe Price PersonalยฎT. Rowe Price PersonalยฎFree4.6โ˜… (23K)NoNoAug 2026
6Betterment Invest & Save MoneyBetterment Invest & Save MoneyFree4.8โ˜… (64K)YesNoAug 2026
7Capital Group PlanPremier401kCapital Group PlanPremier401kFree4.8โ˜… (11K)NoNoAug 2026
8GuidelineGuidelineFree4.9โ˜… (1.8K)NoNoAug 2026

Top Picks for Merrill Lynch 401K

NetBenefits#1

NetBenefits by Fidelity Investments

Fidelity workplace benefits
Editor's Choice
๐Ÿ’ฐ Finance
4.6๐Ÿ˜ž(29K ratings)
Free
#48in Finance
NetBenefits screenshot 1
NetBenefits screenshot 2
NetBenefits screenshot 3
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NetBenefits screenshot 6

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
M1: Invest & Bank Smarter#2

M1: Invest & Bank Smarter by M1 Finance LLC

Manage Money, Build Wealth
Strong Contender
๐Ÿ’ฐ Finance
4.7๐Ÿ˜Š(74K ratings)
FreeAds
M1: Invest & Bank Smarter screenshot 1
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M1: Invest & Bank Smarter screenshot 4
M1: Invest & Bank Smarter screenshot 5
M1: Invest & Bank Smarter screenshot 6

This finance app simplifies wealth building by offering integrated earning, investing, and borrowing features. Manage cash with high yields, build custom investment portfolios with automated rebalancing, and access competitive margin rates, all within a secure platform.

What We Love

  • ๐Ÿš€ Great update and app
  • ๐Ÿš€ Wonderful app to organize accounts
  • ๐Ÿš€ Easiest visual long-term investing app
  • ๐Ÿ‘ Excellent service and good app

Room to Improve

  • ๐Ÿ” Stop pushing users to take on margin debt
  • ๐Ÿ› Buggy and glitchy app
  • ๐Ÿ” Confusing and baffling app

More Merrill Lynch 401K apps to explore

3
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
๐Ÿ’ฐ Finance
(177K)
free
4
J.P. Morgan Retirement Link
J.P. Morgan Retirement Link
J.P. Morgan Retirement Link
J.P. Morgan Retirement Link
Free

Securely access your retirement account anytime, anywhere. Track your progress towards your retirement goal, manage investments, and research loan details. Enhanced security features protect your personal information.

Retirement plan registration and enrollmentView account balances and progressModify contributions, asset allocations, and beneficiaries
๐Ÿ’ฐ Finance
(4.3K)
free
5
T. Rowe Price Personalยฎ
T. Rowe Price Personalยฎ
T. Rowe Price Personalยฎ
INVEST WITH CONFIDENCEยฎ
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
๐Ÿ’ฐ Finance
(23K)
free
6
Betterment Invest & Save Money
Betterment Invest & Save Money
Betterment Invest & Save Money
Investments & Cash Accounts
Free

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.

Automated investing and savingsExpert-built diversified portfoliosHigh-yield cash accounts
๐Ÿ’ฐ Finance
(64K)
free with in-app purchases
7
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
๐Ÿ’ฐ Finance
(11K)
ad-supported
8
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
๐Ÿ’ฐ Finance
(1.8K)
free with in-app purchases
9
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
๐Ÿ’ฐ Finance
(6.6K)
free
10
Beanstox: Simple Investing
Beanstox: Simple Investing
Beanstox: Simple Investing
Seriously Simple Investingยฎ
Free

This app offers automated investing in diversified ETF portfolios, retirement accounts, and other options. It simplifies long-term investing with recurring deposits and portfolio management, making it accessible for both beginners and experienced investors.

Automated ETF portfolio investingRetirement accounts (Traditional & Roth IRAs)Invest in Gold and Bitcoin ETFs
๐Ÿ’ฐ Finance
(3.9K)
free with in-app purchases
11
IRA Financial
IRA Financial
IRA Financial
SDIRA, Solo 401(k), ROBS
Free

Manage your self-directed retirement accounts, explore diverse investment options like real estate and crypto, and access expert resources. Stay informed with real-time alerts and secure transactions to take control of your financial future.

Account managementDiverse investment optionsSecure transactions
๐Ÿ’ฐ Finance
(38)
free
12
MetLife Retirement
MetLife Retirement
MetLife Retirement
My Retirement Plan
Free

Manage your employer-sponsored retirement plan on the go. Access your account, update contributions, and view your investment performance securely from your mobile device.

Enroll or log in to retirement accountsManage contributions, investments, and beneficiariesView account balances and funding options
๐Ÿ’ฐ Finance
(456)
free with in-app purchases
13
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)
๐Ÿ’ฐ Finance
(1.5K)
free
14
Schwab Mobile
Schwab Mobile
Schwab Mobile
Own your tomorrowยฎ
Free

Manage your investments, research market trends, and conduct banking all within a single application. Track your portfolio, deposit checks, and trade stocks, ETFs, and options with intuitive tools and real-time insights.

Consolidated account viewMobile check depositIntuitive trade ticket
๐Ÿ’ฐ Finance
(1.2M)
free with in-app purchases
15
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
16
FundsIndia: Mutual Funds & SIP
FundsIndia: Mutual Funds & SIP
FundsIndia: Mutual Funds & SIP
Invest in Stocks & Mutual Fund
Free

This platform offers a wide range of investment options, including mutual funds, stocks, and tax-saving instruments. It provides expert financial guidance, paperless transactions, and bank-grade security to simplify your investment journey.

Invest in mutual funds and stocksSystematic Investment Plans (SIP)Expert financial coaching
๐Ÿ’ฐ Finance
(21)
free with in-app purchases
17
Victory Capital
Victory Capital
Victory Capital
For Every Investor
Free

This app provides personalized investment recommendations and active portfolio management. It allows users to easily manage their accounts, track performance, and access investment insights to pursue financial goals.

Personalized investment recommendationsActive portfolio managementAccount management and tracking
๐Ÿ’ฐ Finance
(274)
free
18
Titan: Your Wealth Team
Titan: Your Wealth Team
Titan: Your Wealth Team
Investing, Wealth Management
Free

This app offers comprehensive wealth management services, combining a dedicated advisory team with professional investment management. It simplifies investing, tax planning, and cash management, providing personalized guidance and active portfolio management without high fees or minimums.

Dedicated advisory teamProfessional investment managementAutomated cash management
๐Ÿ’ฐ Finance
(7K)
freemium
19
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
๐Ÿ’ฐ Finance
(1)
free
20
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
๐Ÿ’ฐ Finance
(33)
free

FAQ about Merrill Lynch 401K

What are the best merrill lynch 401k apps for iPhone?
NetBenefits tops our merrill lynch 401k apps ranking as of July 2026, with a 4.6-star average from 29K App Store ratings, and it's free to download.
Yes โ€” 20 of the top merrill lynch 401k apps we rank are free to download, including NetBenefits and Vanguard: Save, Invest, Retire.
NetBenefits has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 193+ merrill lynch 401k apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
The NetBenefits app allows you to conveniently manage your Fidelity workplace benefits. You can view retirement savings, stock options, health insurance details, HSA balances and investments, and more. It also provides tools for personalized financial planning and access to educational materials.
This app is designed for individuals who are participants in workplace benefit programs offered by Fidelity Investments. This includes managing retirement accounts like 401(k) and 403(b), health savings accounts (HSAs), stock plans, and health insurance.