Fidelity Planning & Guidance Center
Ranked in Retirement Planning Software ·Free plan
About
Fidelity Planning & Guidance Center is a free web tool for assessing retirement readiness, reviewing investment strategies, and considering next steps. Its Retirement Analysis feature lets users model hypothetical scenarios from current savings and estimated future contributions, and create and monitor multiple independent financial goals. The analysis uses historical returns, market volatility, and correlations to estimate potential retirement income. Fidelity says Probability of Success has replaced the Fidelity Retirement Score as a holistic measure of financial plan strength and supports planning beyond retirement. Planning information may also carry into Guided Portfolio Summary and Fidelity Income Strategy Evaluator. The tool can use financial details already supplied to Fidelity, a workplace plan sponsor, or a third party, so users should verify the information. Projections are hypothetical, are not actual investment results, and do not guarantee future outcomes. The analysis is informational and nondiscretionary rather than personalized advice. 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 apply.
Who it is for
This web tool suits people reviewing retirement readiness and exploring savings, contribution, and financial-goal scenarios. Its assumptions and informational, nondiscretionary nature may make other guidance appropriate for some circumstances.
What is good
- Models scenarios using current savings and future contributions.
- Supports multiple independent financial goals.
- Estimates retirement income using historical returns and market factors.
- Planning information may carry into other Fidelity tools.
What to know first
- Projections are hypothetical and not guarantees.
- Assumes primarily U.S. tax liability.
- Investment expenses and account transaction fees may apply.
- Some financial or legal situations may not suit its assumptions.
Verdict
The Center provides a no-fee way to explore retirement scenarios and review financial goals, with outputs that may connect to other Fidelity tools. Treat its projections as informational rather than guaranteed or personalized advice, and verify any financial information it uses.
Compared on retirement planning software
- Free plan
- Yesfidelity.com
- Income projection
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- Savings growth projection
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- Withdrawal planning
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- Tax modeling
- detailedfidelity.com
- Social Security modeling
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- Scenario analysis
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- Account synchronization
- read_onlyfidelity.com
Facts
- Purpose
- The center helps users assess retirement readiness, review investment strategies, and get a report with next steps to consider.fidelity.com · 2 Oct 2026
- What-if scenarios
- Retirement Analysis lets users explore hypothetical scenarios based on current savings and estimated future contributions.fidelity.com · 2 Oct 2026
- Goals
- Users can create and monitor multiple independent financial goals.fidelity.com · 2 Oct 2026
- Analysis
- Retirement Analysis uses historical returns, market volatility, and correlations to estimate potential retirement income.fidelity.com · 2 Oct 2026
- New measure
- Fidelity says Probability of Success replaced the Fidelity Retirement Score as a holistic measure of financial plan strength and supports planning beyond retirement.about.fidelity.com · 2 Oct 2026
- Connected tools
- Planning information may carry into other Fidelity tools, including Guided Portfolio Summary and Fidelity Income Strategy Evaluator.fidelity.com · 2 Oct 2026
- Account data
- The tool may use financial information previously provided to Fidelity, by a workplace plan sponsor, or by a third party, and users should verify its accuracy.fidelity.com · 2 Oct 2026
- Workplace support
- Workplace plan participants can contact the Workplace Guidance Desk for support and questions about results.fidelity.com · 2 Oct 2026
- Hypothetical results
- The tool's projections are hypothetical, do not reflect actual investment results, and are not guarantees of future results.fidelity.com · 2 Oct 2026
- Who may need other guidance
- The tool assumes primarily U.S. tax liability and may not be appropriate for some situations, including foreign tax liability, significant margin debt, or certain legal proceedings.fidelity.com · 2 Oct 2026
- Not personalized advice
- The retirement analysis is informational and nondiscretionary; users decide whether to implement its planning strategy.fidelity.com · 2 Oct 2026
- Security and privacy
- Fidelity says information entered into its site search assistant is not stored or reviewed except to provide search results, and advises users not to enter personal or account information there.fidelity.com · 2 Oct 2026
Company
- Founded
- 1946fidelity.com · 23 Sept 2026
- Headquarters
- Boston, Massachusetts, United Statesfidelity.com · 23 Sept 2026
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Sources
- fidelity.com/calculators-tools/overview· checked 2 Oct 2026
- fidelity.com/bin-public/060_Guidance_Pages/documents· checked 2 Oct 2026
- fidelity.com/retirement/retirement-planning· checked 2 Oct 2026
- about.fidelity.com/data-and-insights/q1-2026-business-upda· checked 2 Oct 2026
- fidelity.com/go/guidance/faqs· checked 2 Oct 2026
- fidelity.com/calculators-tools/retirement-calculator· checked 2 Oct 2026