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Head-to-head · Retirement Planning Software

Fidelity Planning & Guidance Center vs RetireePlan

  • Updated Oct 2026
  • Both researched from official sources
  • 6 checks side by side
Higher score Fidelity Planning & Guidance Center #2 in Retirement Planning Software 9.3/10 Free plan Free plan✓ 5 of 5 features Visit Fidelity
RetireePlan #8 in Retirement Planning Software 8.6/10 Free plan Free plan✓ 4 of 5 features Visit RetireePlan

Fidelity Planning & Guidance Center leads on 0 checks, RetireePlan on 0, and 6 are even. Who comes out ahead on the 6 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreFidelity Planning & Guidance Center · 9.3/10
  • Free planboth
  • Most featuresFidelity Planning & Guidance Center · 5 of 5

Fidelity Planning & Guidance Center scores higher on our rubric for retirement planning software: 9.3 against 8.6 out of 10; our editors rank them #2 and #8.

Fidelity Planning & Guidance Center is the better fit for fidelity customers wanting free, connected planning. RetireePlan is the better fit for canadian households needing tax-specific planning.

  • Fidelity Planning & Guidance Center fits best

    Fidelity customers wanting free, connected planning

  • RetireePlan fits best

    Canadian households needing tax-specific planning

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Side by side

Feature Fidelity Planning & Guidance Center 9.3/10 Visit ↗ RetireePlan 8.6/10 Visit ↗
At a glance
Editor score 9.3 8.6
Ranking #2 in Retirement Planning Software #8 in Retirement Planning Software
Best for Fidelity customers wanting free, connected planning Canadian households needing tax-specific planning
Pricing model Free Free
Starting price Free Free plan
Free plan ✓ ✓
Free trial — —
Deployment Cloud Cloud, Desktop, Self-hosted
Platforms Web Web, macOS, Windows, Linux
Integrations 3 integrations 3 integrations
Features Fidelity Planning & Guidance Center 5/5 · RetireePlan 4/5
Income projection ✓ ✓
Savings growth projection ✓ ✓
Withdrawal planning ✓ ✓
Social Security modeling ✓ (best) Not checked yet
Scenario analysis ✓ ✓
Specs
Tax modeling Detailed Detailed
Account synchronization Read_only Read_only
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
  • Models CPP/QPP, OAS/GIS, RRIF rules, and provincial and federal taxes
  • Compares named scenarios with projections, net worth, and tax outcomes
  • Runs on web, desktop, or self-hosted, with local data storage
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
  • Canadian-focused modeling may not suit households planning outside Canada
  • YNAB is the documented data-import integration
  • Broad planning features may be more than needed for basic projections
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 →

Retirement plans in Canada hinge on more than investment growth: public benefits, tax rules, withdrawals, and estate events shape the outcome. RetireePlan is an open-source planning application for Canadian households that models those…

Read the review →
  1. Fidelity Planning & Guidance CenterRetirement Planning Software 9.3Free plan
  2. RetireePlanRetirement Planning Software 8.6Free plan

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

  • RetireePlan — where it wins

    • Models CPP/QPP, OAS/GIS, RRIF rules, and provincial and federal taxes
    • Compares named scenarios with projections, net worth, and tax outcomes
    • Runs on web, desktop, or self-hosted, with local data storage

    Where it doesn't

    • Canadian-focused modeling may not suit households planning outside Canada
    • YNAB is the documented data-import integration
    • Broad planning features may be more than needed for basic projections

More comparisons

All retirement planning software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update