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Best 401(k) Software in 2026

14 apps
Research read 28 Sept 2026
How the order is worked out

1

ADP Help Me Choose

Paid AndroidiPhoneWeb

Help Me Choose offers a guided way to review benefits during Open Enrollment, with an option to skip the survey.

6.0 Pricing on request Visit site
2

Betterment

Paid AndroidiPhoneWeb

Betterment combines automated investing with cash products and self-directed trading, alongside retirement planning.

5.8 Free plan · paid from $5/mo Visit site
3

Vestwell

Paid AndroidiPhoneWeb

Vestwell combines several savings and benefit categories with portals, payroll connections, and mobile saver tools.

5.2 From $45/mo Visit site
4

Ameritas Retirement Plans

Paid AndroidiPhoneWeb

5.0 Pricing on request Visit site
5

Charles Schwab Retirement Plan Services

Paid AndroidiPhoneWeb

4.9 Pricing on request Visit site
6

Human Interest

Paid AndroidiPhoneWeb

Human Interest offers employer retirement plans with payroll deductions and three paid tiers. The higher plans add fiduciary, filing, compliance, support, and account-management services.

4.8 From $80/mo Visit site
7

Employee Fiduciary

Paid Web

4.5 From $500/yr Visit site
8

Empower Stock Plan Services

Paid Web

4.4 Pricing on request Visit site
9

Guideline

Paid AndroidiPhoneWeb

4.4 Visit site
10

E*TRADE Corporate Retirement Services

Paid Web

4.2 Pricing on request Visit site
11

Transamerica Retirement Solutions

Paid AndroidiPhoneWeb

4.2 Pricing on request Visit site
12

Merrill Small Business 401(k)

Paid iPhoneWeb

4.1 From $95/mo Visit site
13

Ubiquity Retirement + Savings

Paid Web

3.8 Pricing on request Visit site
14

T. Rowe Price Retirement Plan Services

Paid

3.7 Pricing on request Visit site

#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price

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