Fidelity Planning & Guidance Center is a free web tool for assessing retirement readiness, reviewing investment strategies, and considering possible next steps. Retirement Analysis lets users model hypothetical scenarios using current savings and estimated future contributions, and users can create and track multiple independent financial goals. The analysis uses historical returns, market volatility, and correlations to estimate potential retirement income. Fidelity says Probability of Success replaced its Fidelity Retirement Score as a broader measure of financial plan strength that also supports planning beyond retirement. Planning information may carry into tools such as Guided Portfolio Summary and Fidelity Income Strategy Evaluator. The analysis may use details previously provided to Fidelity, a workplace plan sponsor, or a third party, so users should check that information. Projections are hypothetical, do not represent actual investment results, and are not guarantees. The analysis is informational and nondiscretionary rather than personalized advice. It assumes primarily U.S. tax liability and may not suit some situations, including foreign tax liability, significant margin debt, or certain legal proceedings.
Who it is for
It suits people who want to explore retirement scenarios and track multiple financial goals. It may not fit users with foreign tax liability, significant margin debt, or certain legal proceedings.
What is good
- No fee to generate a plan.
- Models savings and estimated future contributions.
- Supports multiple independent financial goals.
- Estimates income using returns, volatility, and correlations.
What to know first
- Projections are hypothetical, not guarantees of results.
- The analysis is informational, not personalized advice.
- Assumes primarily U.S. tax liability.
- Users should verify financial information used in the analysis.
Verdict
Fidelity Planning & Guidance Center offers a no-fee way to explore hypothetical retirement scenarios and review goals. Treat its projections as planning inputs, not guaranteed outcomes or personalized investment advice.
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
