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Best 401(k) Software in 2026

401(k) software helps employers set up and run workplace retirement plans, enroll employees, connect payroll, and support plan administration. This list is for people comparing tools for a small business or a larger plan while watching costs.

  1. 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. 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. 3

    Charles Schwab Retirement Plan Services

    Paid AndroidiPhoneWeb
    5.2 Pricing on request Visit site
  4. 4

    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
  5. 5

    Ameritas Retirement Plans

    Paid AndroidiPhoneWeb
    5.0 Pricing on request Visit site
  6. 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. 7

    Employee Fiduciary

    Paid Web
    4.5 From $500/yr Visit site
  8. 8

    Empower Stock Plan Services

    Paid Web
    4.4 Pricing on request Visit site
  9. 9

    Guideline

    Paid AndroidiPhoneWeb
    4.4 Visit site
  10. 10

    E*TRADE Corporate Retirement Services

    Paid Web
    4.2 Pricing on request Visit site
  11. 11

    Transamerica Retirement Solutions

    Paid AndroidiPhoneWeb
    4.2 Pricing on request Visit site
  12. 12

    Merrill Small Business 401(k)

    Paid iPhoneWeb
    4.1 From $95/mo Visit site
  13. 13

    Ubiquity Retirement + Savings

    Paid Web
    3.8 Pricing on request Visit site
  14. 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

Compare free-plan terms, paid starting prices, plan types, enrollment help, payroll integrations, investment options, compliance support, and participant mobile apps. Check whether a free trial has limits, and review an open-source licence if reading or changing code matters to you.

Questions

What platforms do these 401(k) tools support?

Listed platforms include web, iOS, and Android. Check the platform mix for the tool you are considering.

Which 401(k) software has a free plan?

Betterment is listed with a free plan and paid pricing from $5 per month. Other listed entries are marked paid or have pricing on request.

Which tools show starting prices?

Employee Fiduciary starts at $500 per year, Human Interest at $80 per month, Merrill Small Business 401(k) at $95 per month, and Betterment at $5 per month after its free plan terms.

Why is pricing listed as on request?

ADP Help Me Choose, Ameritas Retirement Plans, Charles Schwab Retirement Plan Services, Empower Stock Plan Services, E*TRADE Corporate Retirement Services, Transamerica Retirement Solutions, and T. Rowe Price Retirement Plan Services show pricing on request.

What features should employers compare?

Compare free plan, paid starting price, plan types, employee enrollment, payroll integrations, investment options, compliance support, and participant mobile app.

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