Fidelity Planning & Guidance Center is a free web tool for assessing retirement readiness, reviewing investment strategies, and getting a report with possible next steps. Retirement Analysis lets users model hypothetical scenarios using current savings and estimated future contributions, and users can create and monitor multiple independent financial goals. The analysis draws on historical returns, market volatility, and correlations to estimate potential retirement income. Fidelity says Probability of Success replaced its Retirement Score as a holistic measure of financial plan strength and supports planning beyond retirement. Planning information may carry into other Fidelity tools, including Guided Portfolio Summary and Fidelity Income Strategy Evaluator. The tool may use financial information previously supplied to Fidelity, a workplace plan sponsor, or a third party, so users should verify its accuracy. Projections are hypothetical, do not reflect actual investment results, and are not guarantees. The analysis is informational and nondiscretionary, not personalized advice; users decide whether to implement its strategy. It assumes primarily U.S. tax liability and may not suit people with foreign tax liability, significant margin debt, or certain legal proceedings. There is no fee to generate a plan, though investment expenses and account transaction fees may still apply.
Who it is for
It suits people assessing retirement readiness or tracking several financial goals who fall within its primarily U.S. tax-liability assumption. People with foreign tax liability, significant margin debt, or certain legal proceedings may need other guidance.
What is good
- No fee to generate a plan.
- Supports hypothetical savings and contribution scenarios.
- Users can monitor multiple independent financial goals.
- Estimates retirement income using returns, volatility, and correlations.
What to know first
- Projections are hypothetical and not guarantees.
- Analysis is informational and nondiscretionary, not personalized advice.
- Investment expenses and account transaction fees may still apply.
- May not suit foreign tax liability or certain circumstances.
Verdict
The center offers no-fee planning scenarios and multiple-goal tracking, but its projections are hypothetical and its analysis is not personalized advice. Check the accuracy of any account information it uses and consider whether its U.S.-focused assumptions fit your situation.
Get started with Fidelity Planning & Guidance Center
- Open the Fidelity retirement calculator website.
- Use the web tool to review retirement readiness and investment strategies.
- Explore Retirement Analysis scenarios using current savings and estimated future contributions.
- Create and monitor financial goals.
- Review the plan report and check any financial information used in the analysis.
What the free plan stops at
There is no fee to generate a plan, but investment expenses and account transaction fees may still apply. Its projections are hypothetical and its analysis assumes primarily U.S. tax liability; it may not fit situations including foreign tax liability, significant margin debt, or certain legal proceedings.
Questions about Fidelity Planning & Guidance Center
Is Fidelity Planning & Guidance Center free?
Yes. The plan is listed as free, with no fee to generate a plan. Investment expenses and account transaction fees may still apply.
What platforms does it support?
It is available on the web.
What can users model?
Retirement Analysis supports hypothetical scenarios based on current savings and estimated future contributions. Listed capabilities include income and savings growth projections, withdrawal planning, detailed tax modeling, Social Security modeling, and scenario analysis.
Does it give personalized investment advice?
No. The retirement analysis is informational and nondiscretionary, and users decide whether to implement its planning strategy.
Are the projections guaranteed?
No. Fidelity says the projections are hypothetical, do not reflect actual investment results, and are not guarantees of future results.
Can workplace plan participants get help?
Workplace plan participants can contact the Workplace Guidance Desk for support and questions about results.
Fidelity Planning & Guidance Center plans and pricing
All plansCompared on retirement planning software
- Free plan
- Yes
- Income projection
- Yes
- Savings growth projection
- Yes
- Withdrawal planning
- Yes
- Tax modeling
- detailed
- Social Security modeling
- Yes
- Scenario analysis
- Yes
- Account synchronization
- read_only
