From $0.65 a year AndroidiPhone & iPadWeb
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Best 401(k) Software 2026
Facts read 24 Sep 2026 – 14 Nov 2026
Employers use 401(k) software to administer retirement plans, while participants may enroll, connect payroll, choose investments and reach their accounts. US buyers can use this list to review plan services available on web, iOS and Android.
The standings: top 10
| Name | Record score | Price from | Runs on | Facts read |
|---|---|---|---|---|
| 01 Betterment | 5.2 | $0.65 a year | Android, iPhone & iPad, Web | 15 Oct 2026 |
| 02 Vestwell | 4.9 | $45 a month | Android, iPhone & iPad, Web | 8 Oct 2026 |
| 03 Human Interest | 4.8 | $80 a month | Android, iPhone & iPad, Web | 14 Nov 2026 |
| 04 Guideline | 4.6 | $49 a month, billed yearly | Android, iPhone & iPad, Web | 14 Nov 2026 |
| 05 Charles Schwab Retirement Plan Services | 4.5 | — | Android, iPhone & iPad, Web | 14 Nov 2026 |
| 06 Employee Fiduciary | 4.5 | $500 a year | Web | 14 Nov 2026 |
| 07 ADP Help Me Choose | 4.2 | — | Android, iPhone & iPad, Web | 4 Oct 2026 |
| 08 Ameritas Retirement Plans | 4.2 | — | Android, iPhone & iPad, Web | 14 Nov 2026 |
| 09 Empower Stock Plan Services | 3.6 | — | Web | 14 Nov 2026 |
| 10 E*TRADE Corporate Retirement Services | 3.3 | — | Web | 14 Nov 2026 |
Entries are ordered by newest release first. Use the listed figures to assess free-plan availability, entry pricing, plan formats, enrollment, payroll connections, investment choices, compliance help and participant apps.
02
Vestwell
AndroidiPhone & iPadWeb Record4.9 Visit
03
Human Interest
AndroidiPhone & iPadWeb Record4.8 Visit
04
Guideline
AndroidiPhone & iPadWeb Record4.6 Visit
05
Charles Schwab Retirement Plan Services
AndroidiPhone & iPadWeb Record4.5 Visit
7
ADP Help Me Choose
AndroidiPhone & iPadWeb — Record4.2 Visit It suits ADP TotalSource employees who want optional guidance while choosing benefits during Open Enrollment.
Before you choose
Check where the software runs
Confirm that the service supports the devices your team and participants use. Services in this category run on the web, iOS or Android.
Workers may need a participant app to reach their account when they are away from a desktop.
Review free and paid terms
Compare the listed free-plan status, pricing model and paid starting price. Betterment is listed with paid service from $5 per month, while Employee Fiduciary starts from $500 per year and Human Interest from $80 per month.
Pricing must be requested for ADP Help Me Choose, Ameritas Retirement Plans, Charles Schwab Retirement Plan Services, Empower Stock Plan Services, E*TRADE Corporate Retirement Services, Guideline, Merrill Small Business 401(k), Transamerica Retirement Solutions and T. Rowe Price Retirement Plan Services.
Match plan and enrollment tools
Look at plan types and employee-enrollment support together. These fields indicate whether the service fits how your company offers and administers its 401(k) plan.
Compare payroll and investment links
Check the payroll integrations listed for the service before choosing a platform. Review investment options as a separate comparison so the plan menu fits your requirements.
Assess compliance coverage
Use the compliance-support field to compare administrative help for plan obligations. Pair it with enrollment, payroll and investment details when narrowing options.
Questions
What platforms does 401(k) software support?
Services in this category run on the web, iOS or Android. Review each listing's platform fields before deciding.
Do these 401(k) tools offer free plans?
Each listing records free-plan availability and identifies its pricing approach, including paid services and a freemium listing.
How is 401(k) software priced?
Pricing may appear as a monthly or annual starting charge, or as a note that a quote is required. Compare the paid-from figure and pricing note for the service.
Can 401(k) software connect to payroll?
Listings identify payroll integrations for this category. Review the listed integrations against your payroll system before selecting a service.
Do these services include participant mobile apps?
Listings indicate whether participant mobile app support is available. Check the service details and its supported platforms for participant access.
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