This article is for employees who use Gusto Retirement. Learn how to sign in to your Gusto Retirement account, reset your password, and troubleshoot common login issues.
There are several ways you can access your Gusto Retirement account.
Direct access:
Sign in with your email address and password. Or, select Log in with Gusto to use your Gusto login credentials.
From Gusto:
Select Benefits.
Under Savings, find 401(k) and select View.
Select Manage 401(k).
Use the mobile app.
Note: Not all account features are available in the mobile app.
If you are a participant who was auto-enrolled and this is your first time accessing your account, find the invitation email you received from Gusto 401(k) by Guideline. This may have come from Guideline, depending on when you received it. Use the unique enrollment link in it to set up your account.
If you cannot find the enrollment email, your internal 401(k) administrator can resend it from their Gusto Retirement administrator dashboard. Feel free to share this article with instructions on how to do so.
If you have not set up your 401(k) account yet, visit our enrollment guide to get started.
You can reset your Gusto Retirement password by going to the sign-in page and clicking Forgot your password. We'll send instructions to your primary email on file to reset your password.
If you need to reset your main Gusto password, click here for instructions.
Password requirements
Your password must:
Be between 8 and 255 characters
Include at least 3 of these:
Uppercase letter
Lowercase letter
Number
Special character
No 3 repeating characters
No 3 sequential characters
Not be the same as your last password
Having trouble signing in? Here are solutions to common login problems.
If you're getting an error or are unsure of your password, try the following:
Check for typos: Passwords are case-sensitive. Make sure caps lock is off and that you're typing your password correctly. As a reminder, your password must include at least one uppercase, lowercase, number, and special character, and no more than two repeating or sequential characters.
Make sure you're using the right credentials:
If you’re entering your email and password on the login page, double-check that you're using your specific retirement account username and password.
If you clicked Log in with Gusto, enter the email and password you use to sign in to Gusto.
Reset your password: If you've forgotten your retirement account password, click Forgot password? on the sign-in page. You'll be prompted to enter your email address, and a password reset link will be sent to you. Follow the instructions in the email to create a new password.
It's important to use the correct email address associated with your account.
Use your enrollment invitation email: Unless you have since changed your account's primary email address through Account Settings, you need to use the email address where you originally got your enrollment invitation.
If you're unable to sign in and believe you have not set up an account, or if you're a new user:
Check your invitation email: You should have got an enrollment invitation to set up your account. This email contains a link to create your initial password and complete the account setup process. See details about the email and process here.
Request a new invite email: If you cannot find your enrollment email, your employer can send you a new one. Feel free to share this article if they're not sure how.
Two-factor authentication adds an extra layer of security. If you're having trouble with 2FA, view our full troubleshooting guide for details. Common issues can include:
Text errors: Message blockers, poor service, or an incorrect phone number can cause issues with receiving 2FA text messages.
Invalid codes: If using an authenticator app, make sure the time on your device is synchronized correctly, as codes are time-sensitive. Enter the code with no dashes or spaces.
New device or phone number: Make sure the authenticator app is downloaded on your new device. If you got a new number, please contact us to have your 2FA reset.
In addition to creating a strong password, you will also be required to set up 2-step verification to protect your account. The Department of Labor has shared other ways to reduce the risk of fraud and loss to your retirement savings. See their online security tips.