emoji_events Best 401k

Top-rated 401k ranked by our AI-powered scoring system.

6
Products Ranked
7.8
Avg Score
8.2
Top Score

table_chart Top 5 at a Glance

Rank Name Score Price Best For
#1 E*TRADE 401(k) 8.2 Visit
#2 Principal® Retirement Plans 8.1 Visit
#3 T. Rowe Price Retirement Plans 8.0 Visit
#4 Avery Insights 401(k) 7.6 Visit
#5 MassMutual Retirement Plans 7.5 Visit

leaderboard Full 401k Rankings

Best 1 E*TRADE 401(k)
E*TRADE 401(k)

E*TRADE 401(k) provides a robust platform for retirement savings, offering a wide array of investment choices and a powerful trading platform. It caters to both novice and experienced investors, with...

8.2 Very Good
Visit
2 Principal® Retirement Plans
Principal® Retirement Plans

Principal® Retirement Plans are primarily offered through employers, providing a range of retirement savings options including 401(k)s, 403(b)s, and IRAs. Principal offers a variety of investment vehi...

8.1 Very Good
Visit
3 T. Rowe Price Retirement Plans
T. Rowe Price Retirement Plans

T. Rowe Price Retirement Plans are often offered through employers and provide access to a wide range of T. Rowe Price mutual funds and other investment options. They are known for their in-depth rese...

8.0 Very Good
Visit
4 Avery Insights 401(k)
Avery Insights 401(k)

Avery Insights 401(k) focuses on providing personalized financial advice and wellness programs to employees. It leverages technology to offer customized investment recommendations and educational reso...

7.6 Good
Visit
5 MassMutual Retirement Plans
MassMutual Retirement Plans

MassMutual Retirement Plans are typically offered through employers and provide a range of retirement savings options, including 401(k)s and annuities. MassMutual is known for its focus on retirement...

7.5 Good
Visit
6 Lincoln Financial Retirement Plans
Lincoln Financial Retirement Plans

Lincoln Financial Retirement Plans are commonly offered through employers and provide a range of retirement savings options, including 401(k)s and annuities. Lincoln Financial emphasizes retirement in...

7.2 Good
Visit

help Frequently Asked Questions

What is the best 401k in 2026?
According to our AI-powered rankings, E*TRADE 401(k) is currently rated as the best 401k with a score of 8.2/10. Other top-rated options include E*TRADE 401(k), Principal® Retirement Plans, T. Rowe Price Retirement Plans.
How are these 401k ranked?
Our rankings use an AI-powered scoring system that analyzes features, user reviews, expert opinions, market presence, and value for money. Each 401k receives an objective score from 0 to 10.
How often are the rankings updated?
Our rankings are updated continuously as new data becomes available. Scores are recalculated regularly to ensure you always see the most current and accurate ratings.
What are the top 5 401k in 2026?
The top 5 401k in 2026 are: E*TRADE 401(k), Principal® Retirement Plans, T. Rowe Price Retirement Plans, Avery Insights 401(k), MassMutual Retirement Plans. These are ranked by our AI-powered scoring system based on features, quality, and user satisfaction.
How many 401k are ranked on Lunoo?
Lunoo currently ranks 6 401k. New options are added and scored regularly.
Which 401k has the highest score?
E*TRADE 401(k) currently holds the highest score at 8.2/10 in our 401k rankings.
Is E*TRADE 401(k) worth it?
E*TRADE 401(k) scores 8.2/10, making it one of the highest-rated 401k available. Its strong rating reflects excellent performance across our evaluation criteria.
What should I look for when choosing a 401k?
Key factors include your specific use case, budget, features offered, ease of use, and long-term value. Our scoring system evaluates these factors objectively. Compare the top options above to find the best fit.
Are there any free 401k options?
Some 401k offer free plans or trials. Check each option's website for current pricing. Our rankings focus on overall quality regardless of price point.
What is the difference between top-rated 401k?
While E*TRADE 401(k) and Principal® Retirement Plans are both highly rated, they differ in features, pricing, and target audience. Use our comparison tool to see detailed side-by-side differences.
Can I compare 401k on Lunoo?
Yes! Lunoo offers a detailed comparison tool. Click the compare icon on any two items to see a side-by-side analysis of scores, features, pros, and cons.
How accurate are Lunoo's 401k rankings?
Our AI-powered scoring system is calibrated against established ground truth sources and continuously improved. We analyze features, expert reviews, user feedback, and market data to provide the most objective rankings possible.

science How We Rank

Our AI-powered ranking system evaluates 401k based on multiple factors:

  • Features & Capabilities - Comprehensive analysis of what each option offers
  • User Reviews - Aggregated feedback from real users across platforms
  • Expert Opinions - Professional reviews and industry recognition
  • Value for Money - Cost-effectiveness relative to features
  • Reliability & Support - Track record and customer service quality

Rankings are updated continuously as new information becomes available.

Disclosure: Some links on this page may be affiliate links. If you make a purchase through these links, we may earn a small commission at no extra cost to you. This does not influence our rankings — all scores are determined by our independent AI-powered evaluation system.

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