Invest smarter,
retire with confidence.
Plootus was built on a simple belief: every American deserves expert retirement guidance — not just the wealthy. We use AI to optimize your 401(k), 403(b), 457, or TSP plan, cut hidden fees, and give you a clear path to a secure retirement. Free. Unbiased. Always.
$100K
Average Hidden Fees Per WorkerPaid unnecessarily over a career of poor 401(k) fund selection
1 in 3
Americans Have Zero Retirement SavingsFinancial stress is the #1 source of anxiety for working adults
28%
Retirement Balance Lost to Excess FeesPer U.S. Department of Labor: 1% higher fees = 28% less at retirement
60%
Rely Solely on Their 401(k)For most Americans it is their only or largest retirement vehicle (Koski Research)
Democratizing expert financial planning for every American
Most workers navigate their 401(k) completely alone — without advice, without context, and often without realizing they are losing thousands of dollars to hidden fees. Meanwhile, institutional investors and the wealthy have access to advisors who optimize every dollar.
Plootus was founded to close that gap. Using AI and patent-pending technology, we deliver the kind of personalized retirement analysis that previously cost thousands of dollars — completely free, with no conflicts of interest and no commissions.
Financial planning information needs to be available to everyone — on their phones, in plain language, in minutes. That is not a product pitch. It is the reason Plootus exists.
100% Unbiased Recommendations
We do not promote Fidelity, Vanguard, BlackRock, or anyone else. We analyze your actual plan options and recommend only what is best for you.
Built for Everyone, Not Just the Wealthy
Whether you are a first-year teacher or a senior engineer, you deserve the same quality of retirement guidance. Plootus is free — always.
Privacy First, Always
No Social Security number required. No selling your data. We collect only what we need to help you — your financial life is yours.
The retirement crisis hiding in plain sight
The 401(k) was created to put retirement savings in the hands of working Americans. What it also created — unintentionally — was a system where complexity, jargon, and hidden fees overwhelmingly favor the financial industry over the individual.
Most workers select their 401(k) investments once and never revisit them. Target-date funds feel safe but often carry excessive fees. And with 60% of Americans relying solely on their 401(k) as their primary retirement vehicle, the stakes could not be higher.
Plootus was built to change this — by making expert, AI-driven 401(k) analysis available to anyone with a smartphone, in under a minute, at no cost.
Expert 401(k) guidance in under a minute
Plootus uses a patent-pending AI algorithm to analyze your employer's retirement plan and generate personalized investment recommendations. No account linking required to get started.
Search Your Employer
Find your 401(k), 403(b), 457, or TSP plan from our database of thousands of U.S. employer plans. Just type your employer name — no login or SSN needed.
Set Your Risk Strategy
Choose conservative, moderate, growth, or super growth. Plootus factors in your age, timeline, and savings to calibrate the right allocation for your goals.
Get Your Allocation
Our AI scans your plan's actual fund lineup and selects the best-performing, lowest-fee options available to you. A personalized portfolio in seconds.
Track and Stay on Course
Link all your accounts for a complete financial picture. Plootus monitors your portfolio and alerts you when your strategy needs adjustment.
Built to make your money work harder
We combine cutting-edge technology with proven financial principles to give you an unfair advantage in retirement planning.
Save on Hidden Fees
Stop losing money to fees you never knew you were paying. Plootus analyzes every fund in your 401(k), 403(b), 457, or TSP plan — surfacing expense ratios, administrative charges, and unnecessary costs.
We then recommend lower-cost, better-performing alternatives from your actual plan. The average employee can recover tens of thousands of dollars in fees over a career simply by making smarter fund selections.
Per the U.S. Department of Labor, a 1% increase in plan fees reduces your final balance by 28%. Plootus makes every basis point count.
Quick Employer Search and Advice
Effortlessly locate your 401(k), 403(b), 457, or TSP plan — just enter your employer's name and Plootus delivers tailored investment recommendations within seconds.
Our algorithm analyzes your plan's complete fund lineup and maps the best options to your specific risk profile and retirement timeline.
Switching jobs? Plootus analyzes both your old and new employer plans and helps you decide whether to roll over or keep your existing account.
Track All Your Financial Accounts in One Place
Effortlessly manage all your finances in one place. Plootus links your accounts, giving you real-time updates on your checking, savings, credit card, and investment account balances.
Connect over 14,000+ banks, credit unions, and investment accounts. View income vs. expenses, net worth trends, and retirement progress — all from a single, clean dashboard.
No more logging into five different websites. Plootus is your financial command center.
AI Retirement Calculator
Take the guesswork out of retirement. Plootus's AI-driven retirement calculator offers savings projections, strategic suggestions, and helps you adjust contributions to meet your goals.
Tell us your target retirement year, expected expenses, and current savings. Plootus models your precise path — how much to contribute, when you can retire, and what income you will be able to sustain.
We analyze your spending patterns and life changes automatically. You do not need to update a spreadsheet. Plootus does it for you.
Take control of your financial future
From tracking your accounts to budgeting and personalized investment advice, Plootus simplifies your financial life.
AI-Powered 401(k) Optimizer
Our algorithm analyzes your plan's complete fund lineup, selecting the best-performing, lowest-fee options based on your risk profile. Get an optimized portfolio in under a minute.
Core FeatureHidden Fee Detector
Most workers lose $100,000+ in unnecessary fees over their career. Plootus surfaces every cost — expense ratios, management fees, administrative charges — and shows you cheaper alternatives in your plan.
Fee AnalysisComplete Financial Dashboard
Link 14,000+ accounts across banks, brokerages, and credit cards. Track your net worth, spending, income, and retirement progress — all in one unified view with real-time data.
Account AggregationRetirement Income Calculator
Model your retirement path with precision. Set your target year, expected expenses, and Plootus calculates your required contribution rate, projected income, and savings milestones — automatically.
Planning TooliOS and Android App
Full Plootus functionality on your phone. Check your retirement progress, review fund recommendations, track spending, and receive alerts when your portfolio needs attention — anywhere, anytime.
MobileFinancial Advisor Collaboration
Prefer working with a human advisor? Delegate access to any advisor of your choice. Advisors can view your complete financial position and manage recommendations — all through the Plootus platform.
Advisor AccessPrinciples that guide our mission
Democratize Retirement Planning for All
Retirement planning shouldn't be complicated or out of reach. We make it simple, personalized, and accessible—so whether you're just starting your career or nearing retirement, you can confidently plan for the life you want.
Technology-Enabled, Expert Advice—Without High Cost
We combine the power of technology with financial expertise to deliver accurate, unbiased, and affordable guidance by securely connecting your accounts and analyzing your financial picture.
Your Security. Our Top Priority.
We take your privacy seriously. Your data is protected with enterprise-grade encryption and strict security practices. We never store credentials and our read-only access keeps you in control.
More ways to cut costs and grow your wealth!
Plootus collaborates with select platforms to help you compare, save, and manage your money more efficiently.
Disclaimer: Plootus (an SEC-registered investment advisor) may receive compensation for referrals to third-party products and services, listed on our Partners page. These referrals are for informational purposes only and do not constitute an endorsement or recommendation. Plootus has not conducted due diligence on, nor assumes responsibility for, any third-party offerings. Users are encouraged to evaluate these options independently before making any decisions.
Real results for real people
“This is an awesome app which gives you all flexibility to plan and invest. Especially for novice users like me who do not want to spend time but still want to plan finances. I have tried Betterment, Wealthfront and Financial Engines — none gives the same flexibility and features as Plootus.”
Verified App Store User
“Easy and free to use app for 401(k) allocation. I was able to pick the right investment strategy for my retirement. They also provide a budgeting and planning tool — all for FREE. Excellent tool for anyone looking to take control of their financial future.”
Verified Trustpilot User
“Plootus makes every user unafraid and excited to tackle the world of investing. By asking for limited information, the app chooses retirement plans suited to the user's needs — while also telling you exactly how much you need to save before retiring.”
Verified App Store User
Featured and Recognized By
Plootus's mission to democratize retirement planning has been featured by leading financial publications and institutions.
PLANADVISER
FinTech and AI in Planning
PLANSPONSOR
Financial Planning Access
EBRI
Retirement Symposium Speaker
The College Investor
AI-Powered 401(k) Review
Your retirement deserves better than guesswork.
Join thousands of Americans who have used Plootus to optimize their 401(k), cut hidden fees, and build a clear path to retirement — completely free, in minutes.
