Side by side
Fidelity Planning & Guidance Center vs Flexible Retirement Planner
Both stand on retirement planning software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
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.
Visit Fidelity Planning & Guidance Center
Flexible Retirement Planner offers detailed scenario modeling for personal, non-commercial retirement planning, including offline use through its standalone version. Its commercial-use restriction and website caveats are important limits to consider.
Visit Flexible Retirement PlannerThe facts
| Fidelity Planning & Guidance Center | Flexible Retirement Planner | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | No |
| Runs on | Web | Linux, Mac, Web, Windows |
| Lowest paid plan | Free or on request | Free or on request |
| Plans published | 1 | 2 |
| Maker | Not published | Not published |
| Website | fidelity.com | flexibleretirementplanner.com |
| On retirement planning software | #8 of 26 | #4 of 26 |
Fidelity Planning & Guidance Center: what it does well
- 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.
Flexible Retirement Planner: what it does well
- Runs 10,000 simulated retirement paths.
- Offers three spending policies.
- Supports sensitivity analysis and multiple what-if scenarios.
- Standalone planner runs offline.
- Includes detailed tax and Social Security modeling.
What to know first
- Commercial use is not authorized or supported.
- Website availability, security, and privacy are not guaranteed.
- Uninterrupted, error-free use is not guaranteed.
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