Commerce · alternatives · 2026

24 alternatives to Xillion 401k Optimizer

Empower your 401k with smart investing

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Xillion 401k Optimizer launched in 2023; newer entries below may have overtaken it.

1. 1IC
   Investment Calculator – A simple retirement calculator▲308

   2018 · investmentcalculator.io · its alternatives →

2. 2
   Smart Yield▲182

   Our investment alternative to a high-yield savings account

   2025 · its alternatives →

3. 3
   Carry▲337

   Grow your net worth with smart tax optimization

   2024 · its alternatives →

4. 4
   MyInvestment-AI▲130

   AI helps secure wealth, trusted by 300+ users

   2024 · its alternatives →

5. 5
   PortfolioPilot Insights▲156

   The best investors don't ignore macro

   2023 · its alternatives →

6. 6OS
   OctaveWealth – Smart, flat-fee 401k▲42

   2016 · octavewealth.com · its alternatives →

7. 7
   Retire▲74

   Take back $162,125 you are losing in 401(k) fees

   2019 · its alternatives →

8. 8
   Global Predictions PortfolioPilot▲92

   Intelligent portfolio management for self-directed investors

   2022 · its alternatives →

9. 9
   Titan for Retirement▲74

   Built like a hedge fund, now with IRAs.

   2019 · its alternatives →

10. 10
    Tickr▲123

    Invest in a better future for yourself and the world 🇬🇧

    2020 · its alternatives →

11. 11
    Wealthsimple USA▲127

    Making smart investing simple, affordable, and beautiful

    2017 · its alternatives →

12. 12S4
    Simplifying 401(k) Advice - Feedback?▲35

    2013 · kivalia.com · its alternatives →

13. 13
    VenEx▲104

    A new-age alternative to Employee Stock Options

    2022 · its alternatives →

14. 14
    FinTok.io▲126

    Unlock your unfair investing advantage

    2024 · its alternatives →

15. 15CA
    CashGraphs – A securities portfolio optimizer▲82

    Hello, This is a portfolio optimizer I made to help select portfolios for my clients. I'm a personal financial adviser. I generally put my clients in a mix of low-fee index funds and ETFs and I use this to set an appropriate allocation based on the client's risk tolerance. I have been working on this as a side project to 1) improve the theoretical underpinnings of my investment recommendations and 2) improve my coding skills with frameworks like Vue and Torch. Here's the repository for the frontend: https://github.com/justinluther502/cashgraphfront. The frontend site is…

    2022 · cashgraphs.com · its alternatives →

16. 16
    Wealthsimple▲108

    Smart investing made simple

    2014 · its alternatives →

17. 17
    Allio Finance▲68

    Build wealth on autopilot in under 5 minutes

    2023 · its alternatives →

18. 18AP
    A paperless 401k with automated advising built-in▲83

    2015 · captain401.com · its alternatives →

19. 19
    illio▲97

    We help individual investors think like wealth managers

    2023 · its alternatives →

20. 20
    Retire Richer▲2

    A Roth vs Traditional 401(k) Investment Decision Tool

    2024 · its alternatives →

21. 21
    Finculators▲29

    Smart Financial Planning Made Simple

    2025 · finculators.com · its alternatives →

22. 22IB
    IRAengine – buy Ethereum/Bitcoin with your IRA or 401k▲7

    2017 · iraengine.com · its alternatives →

23. 23
    Lettuce▲77

    Stay on top of your investments. Anytime, anywhere.

    2019 · its alternatives →

24. 24
    Smart Invest Returns▲13

    Comprehensive financial planning tools

    2025 · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →