Look closer at what you own

Your 401(k) is your biggest asset. You've never actually evaluated it.

Most people pick funds when they enroll and never look again. 401(k) Compass scores yours through five investment philosophies — and the experts you actually trust — in under five minutes.

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14 days · No credit card · 3 free analyses

* Decision support, not financial advice. Always consult a qualified advisor.

The set-and-forget tax

You set up your 401(k) when you started this job.

You picked some funds that sounded right. You haven't really looked since.

You're not alone. Most people do exactly the same thing. But those funds have been quietly compounding, or quietly bleeding, for years.

It's not a willpower problem. It's a clarity problem.

9 in 10

401(k) participants didn't change a single investment last year.

Investment Company Institute · 30M+ accounts
46%

don't know what funds they're even invested in.

CNBC / SurveyMonkey · 1,673 participants

Only on 401(k) Compass

Score your 401(k) with the experts you actually trust.

Every other 401(k) tool gives you one black-box answer. We let you plug in the people you actually follow — a Substack writer, a podcast, a YouTube breakdown, a Bogleheads forum post — and their perspective directly shapes your fund scores. No other tool does this.

Substack

The independent analyst you already read

Bring their take on index investing into your scoring.

Podcast

Your favorite financial show

Episodes become inputs that influence which funds rank highest.

Forum

Bogleheads community wisdom

Thread-tested advice from the people who actually know.

How it works

Three steps to clarity. Five minutes total.

01

Upload your funds

Drop your 401(k) fund fact sheets as PDFs. We extract every data point automatically.

02

Set your preferences

Tell us your age, retirement year, and risk tolerance. We calibrate everything to you.

03

Get your rankings

Receive ranked, scored recommendations with consensus insights across all five philosophies.

Multi-philosophy scoring

Five views of your funds. One clear picture.

Every fund gets scored through five distinct lenses. Where they all agree, you can move with confidence. Where they disagree, you know exactly which trade-off you're making.

B

Bogleheads

Low fee, broad index

M

Morningstar

Risk-adjusted returns

A

Aggressive Growth

High upside, high vol

C

Conservative

Capital preservation

T

Target-Date

Glide path on autopilot

Pricing

Start free. Upgrade when you're ready.

Free Preview

Explore every feature with starter limits

$0

14 days, no credit card

  • 3 analysis runs
  • 2 Trusted Voices
  • 20 chat questions
  • Consensus scoring
  • Fund detail panels
  • No credit card required
Start Free Preview

Basic

For hands-on retirement planners

$10

/month

  • Fund list + scores
  • Scoring summary
  • All 5 philosophies
  • 1 Trusted Voice
  • AI chat
  • 3 runs per month
Get Started
Most popular

Pro

The complete command center

$20

/month

  • Everything in Basic
  • Unlimited runs
  • Fund detail panel
  • Full score breakdown
  • Trusted Voices
  • Consensus scoring
  • Saved analyses & history
Go Pro

Take five minutes. Stop wondering.

Join the people who've finally evaluated their biggest asset.

Start Your Free Preview

Decision support, not financial advice. Always consult a qualified advisor.

Questions, answered

Common questions

Everything you need to know about 401(k) Compass.