Money Intelligence leads ShortlistMag’s 2026 ranking of retirement planning picks for small teams, followed by Carry, ProjectionLab, Wealthfront, Strabo, WeFIRE, and Kniru. Each tool delivers quick setup, affordable flat or per-seat pricing, and minimal administrative overhead—exactly what small teams need to launch or enhance their retirement benefits without a dedicated HR department.
This guide is written for small-business owners, startup founders, and team leads who want to offer retirement planning that works for both the company and its employees. Use the table and detailed profiles below to compare features and find the solution that matches your team’s size, budget, and planning style.
How we picked these retirement planning
We selected products that combine strong core functionality—401(k) administration, investment management, or scenario modeling—with practical ease of use for small teams. Key criteria included clarity of pricing (flat fees or per-participant rates), integration with payroll or bank accounts, and features that reduce admin work, such as automated compliance, rebalancing, or tax optimization. Each pick also comes from a vendor with a solid reputation for reliability and customer support, ensuring your team’s retirement plans stay on track.
Related shortlists: Top 5 Money Transfer for Small Teams in 2026 and 7 Best Stock Trading Platforms for Small Teams in 2026.
Also worth a look: 7 Best Remote Workforce Tools for Small Teams in 2026 and 7 Best Fundraising Resources for Small Teams in 2026.
| Tool | Best for | Key features | Pricing | Free trial |
|---|---|---|---|---|
| Money Intelligence | small teams wanting a full-service 401(k) with automated administration, compliance, and payroll integration | Automated 401(k) administration and compliance, Form 5500 preparation and filing, Payroll integration | Pricing on request | — |
| Carry | business owners and high-earning professionals who need tax-advantaged retirement accounts like Solo 401(k)s and backdoor Roth IRAs | Solo 401(k), IRAs and taxable brokerage accounts in one platform, Invest in stocks, ETFs and mutual funds, Backdoor Roth and Mega Backdoor Roth strategy support | Core — $299/year | — |
| ProjectionLab | detail-oriented planners and team leads who want to model complex financial scenarios and FIRE trajectories | Monte Carlo simulations and historical backtesting, Cash-flow projections and withdrawal strategies, Tax optimization including Roth conversions | Basic — $0/year | Free trial available on paid plans |
| Wealthfront | individuals and teams seeking a hands-off, automated investing approach with tax-efficient portfolio management | Automated portfolio management with personalized allocations, Tax-loss harvesting on Classic portfolios, Automatic rebalancing and dividend reinvestment | Automated Investing — 0.25% annual advisory fee | — |
| Strabo | visual planners who want a single, customizable dashboard for net worth tracking and retirement forecasting with drag-and-drop widgets | Unlimited synced and manual account connections, Net worth overview with forecasting, Customizable dashboard pages with drag-and-drop widgets | Pro — £9.00/month or £70.00/year | 7-day free trial (Pro plan) |
| WeFIRE | FIRE-focused individuals and small teams who want an AI copilot to optimize spending and track progress toward early retirement | AI copilot for personalized spending analysis, Multi-account connectivity via Plaid, FIRE Plan tool for goal setting and progress tracking | WeFIRE Plus — $8.99/month billed annually ($107.88/year) | — |
| Kniru | team members who prefer an AI-powered chat interface for instant answers on investing, taxes, and retirement questions | Net worth tracking and categorical spend analysis, Subscription and loan/credit card tracking, Investment portfolio analysis | Free — $0/month | — |
The best retirement planning in 2026
Below are detailed write-ups for each of our seven picks, ranked from best overall fit for small teams to still-excellent options for specific needs.
1. Money Intelligence
The ultimate high-tech, high-touch 401(k)
Money Intelligence is best for: small teams wanting a full-service 401(k) with automated administration, compliance, and payroll integration
Money Intelligence handles 401(k) plan administration, compliance filings, and payroll syncing. It offers low-cost index fund investing with fiduciary service options. This makes it ideal for small businesses that want a turnkey retirement plan without internal HR overhead.
Key Money Intelligence features
- Automated 401(k) administration and compliance
- Form 5500 preparation and filing
- Payroll integration
- Low-cost index fund investment options
- 3(16) and 3(21) fiduciary service options
Money Intelligence pricing
- Pricing on request
2. Carry
Grow your net worth with smart tax optimization
Carry is best for: business owners and high-earning professionals who need tax-advantaged retirement accounts like Solo 401(k)s and backdoor Roth IRAs
Carry combines Solo 401(k), IRA, and taxable brokerage accounts with smart tax optimization strategies. It supports backdoor and mega backdoor Roth conversions and currently waives its managed account advisory fee. A strong fit for solo entrepreneurs and small-business principals.
Key Carry features
- Solo 401(k), IRAs and taxable brokerage accounts in one platform
- Invest in stocks, ETFs and mutual funds
- Backdoor Roth and Mega Backdoor Roth strategy support
- Smart Yield and robo-advisor managed investment options
- Managed account advisory fee currently waived
Carry pricing
- Core — $299/year
- Pro — $499/year
3. ProjectionLab
Simulate your financial future and chart a course to FI/FIRE
ProjectionLab is best for: detail-oriented planners and team leads who want to model complex financial scenarios and FIRE trajectories
ProjectionLab runs Monte Carlo simulations and historical backtests to project cash flows, withdrawal strategies, and tax outcomes. It includes Roth conversion and capital gains harvesting planning. Perfect for teams that value deep scenario modeling before committing to a retirement strategy.
Key ProjectionLab features
- Monte Carlo simulations and historical backtesting
- Cash-flow projections and withdrawal strategies
- Tax optimization including Roth conversions
- Capital gains harvesting planning
- Advisor dashboard with client management (Pro)
ProjectionLab pricing
- Basic — $0/year
- Premium — $129/year
- Pro — $549/year
- Free trial: Free trial available on paid plans
4. Wealthfront
Save and Invest for What's Next
Wealthfront is best for: individuals and teams seeking a hands-off, automated investing approach with tax-efficient portfolio management
Wealthfront builds and rebalances diversified portfolios automatically, applying tax-loss harvesting and automatic rebalancing. It also offers commission-free fractional stock investing for those who want more control. A zero-fuss option for long-term retirement savings at a low advisory fee.
Key Wealthfront features
- Automated portfolio management with personalized allocations
- Tax-loss harvesting on Classic portfolios
- Automatic rebalancing and dividend reinvestment
- Customizable portfolio from hundreds of funds
- Commission-free fractional share stock investing
- 45+ pre-built investment collections
Wealthfront pricing
- Automated Investing — 0.25% annual advisory fee
- Stock Investing — no advisory or commission fees, $1 minimum
5. Strabo
A Notion-Inspired Personal Finance Dashboard
Strabo is best for: visual planners who want a single, customizable dashboard for net worth tracking and retirement forecasting with drag-and-drop widgets
Strabo aggregates bank accounts, investments, and real estate into a Notion-like dashboard. It includes life-event and retirement planning tools plus an AI-powered investment assistant. Best for team members who prefer a clear, interactive view of their financial future.
Key Strabo features
- Unlimited synced and manual account connections
- Net worth overview with forecasting
- Customizable dashboard pages with drag-and-drop widgets
- Life event and retirement planning tools
- AI-powered investment assistant
- No data sharing — only you access your information
Strabo pricing
- Pro — £9.00/month or £70.00/year
- Adviser — £150.00/month or £1,170.00/year
- Free trial: 7-day free trial (Pro plan)
6. WeFIRE
AI-Empowered Financial Freedom
WeFIRE is best for: FIRE-focused individuals and small teams who want an AI copilot to optimize spending and track progress toward early retirement
WeFIRE uses an AI copilot to analyze spending, set FIRE goals, and provide educational content. It connects multiple accounts via Plaid and offers budget guidance alerts. Great for teams that want an engaging, goal-oriented retirement planning companion.
Key WeFIRE features
- AI copilot for personalized spending analysis
- Multi-account connectivity via Plaid
- FIRE Plan tool for goal setting and progress tracking
- Customized budget guidance alerts
- Educational library on financial independence
WeFIRE pricing
- WeFIRE Plus — $8.99/month billed annually ($107.88/year)
- WeFIRE Plus — $14.99/month billed monthly
7. Kniru
Tireless AI-Powered Financial Advisor in your Pocket!
Kniru is best for: team members who prefer an AI-powered chat interface for instant answers on investing, taxes, and retirement questions
Kniru acts as a tireless AI financial advisor, tracking net worth, subscriptions, and loans while answering questions via chat. It offers net worth tracking, spend analysis, and portfolio insights. Suitable for teams that want advisor-style guidance without the human price tag.
Key Kniru features
- Net worth tracking and categorical spend analysis
- Subscription and loan/credit card tracking
- Investment portfolio analysis
- Weekly and monthly financial reports
- AI chat for investing, tax and retirement questions
Kniru pricing
- Free — $0/month
- Pro — $39.99/month
- Alpha — $99.99/month
Which retirement planning should you choose?
For small teams that need a complete employer-sponsored retirement plan with automated administration and compliance, Money Intelligence is the clear first choice. Its payroll integration and fiduciary service options remove the administrative burden, while low-cost index funds keep employee fees reasonable. If you’re a business owner or high-earner looking for tax-advantaged personal retirement accounts, Carry offers Solo 401(k)s and backdoor Roth strategies at a flat yearly price—perfect for lean teams without a dedicated plan.
Teams that value deep financial scenario planning should turn to ProjectionLab for Monte Carlo simulations and tax optimization, while those who prefer a completely hands-off investing approach will appreciate Wealthfront‘s automated portfolios and tax-loss harvesting. For visual trackers, Strabo provides an intuitive dashboard; FIRE-focused employees will love WeFIRE‘s AI copilot; and anyone wanting on-demand financial answers can lean on Kniru‘s chat interface. Each pick is designed to fit into a small team’s workflow without adding complexity.
