Fidelity Planning & Guidance Center vs MaxiFi

Fidelity Planning & Guidance Center8.6Visit MaxiFi7.4Visit

Higher score Fidelity Planning & Guidance Center #2 in Retirement Planning Software 8.6/10 Free plan Free plan✓ 5 of 5 features Visit Fidelity

vs

MaxiFi #3 in Retirement Planning Software 7.4/10 From $109/yr ✓ 5 of 5 features Visit MaxiFi

• Fidelity Planning & Guidance Center fits best

  Fidelity customers wanting free, connected planning

• MaxiFi fits best

  Multi-platform users wanting deep annual planning

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Side by side

Feature	Fidelity Planning & Guidance Center 8.6/10 Visit ↗	MaxiFi 7.4/10 Visit ↗
At a glance
Editor score	8.6	7.4
Ranking	#2 in Retirement Planning Software	#3 in Retirement Planning Software
Best for	Fidelity customers wanting free, connected planning	Multi-platform users wanting deep annual planning
Pricing model	Free	Paid
Starting price	Not published	Not published
Free plan	✓ (best)	—
Free trial	—	—
Deployment	Cloud	Cloud, Desktop, Mobile
Platforms	Web	Web, Windows, macOS, Linux, iOS, Android
Features Fidelity Planning & Guidance Center 5/5 · MaxiFi 5/5
Income projection	✓	✓
Savings growth projection	✓	✓
Withdrawal planning	✓	✓
Social Security modeling	✓	✓
Scenario analysis	✓	✓
Specs
Tax modeling	Detailed	Detailed
Account synchronization	Read_only	Not published
Our review
Pros	Models retirement income, savings growth and withdrawal strategies Estimates federal, state and local taxes and Social Security benefits Connects Fidelity and external accounts through Full View	Projects lifetime income, spending, savings, withdrawals, taxes, and benefits Optimizes Social Security timing and retirement-account withdrawals Supports scenario analysis, Roth conversions, and Monte Carlo risk analysis
Cons	Plans are informational and hypothetical, not actual tax calculations External account data is read-only; manually entered accounts do not update Investment expenses and trading or transaction fees may still apply	There is no free plan Living Standard Monte Carlo and Roth optimization require Premium Annual Flight Check Service and expert support require Premium Plus
Our verdict	Fidelity Planning & Guidance Center gives Fidelity customers and workplace-plan participants a free way to assess retirement readiness and plan other financial goals. It considers savings, future contributions, income sources, expenses,… Read the review →	MaxiFi builds lifetime financial plans from household earnings, assets, retirement accounts, pensions, Social Security, taxes, housing costs, and other receipts and expenses. It is aimed at households and financial planners who want to… Read the review →

Strengths and trade-offs

• Fidelity Planning & Guidance Center — where it wins

  • Models retirement income, savings growth and withdrawal strategies
  • Estimates federal, state and local taxes and Social Security benefits
  • Connects Fidelity and external accounts through Full View

  Where it doesn't

  • Plans are informational and hypothetical, not actual tax calculations
  • External account data is read-only; manually entered accounts do not update
  • Investment expenses and trading or transaction fees may still apply

• MaxiFi — where it wins

  • Projects lifetime income, spending, savings, withdrawals, taxes, and benefits
  • Optimizes Social Security timing and retirement-account withdrawals
  • Supports scenario analysis, Roth conversions, and Monte Carlo risk analysis

  Where it doesn't

  • There is no free plan
  • Living Standard Monte Carlo and Roth optimization require Premium
  • Annual Flight Check Service and expert support require Premium Plus

• Fidelity Planning & Guidance Center8.6/10 · Free plan

  A free planner with tax, Social Security, withdrawal and what-if analysis.

  Visit FidelityFull verdict →
• MaxiFi7.4/10 · From $109/yr

  Deep lifetime and retirement planning across web, desktop, and mobile for an annual fee.

  Visit MaxiFiFull verdict →