Fidelity Planning & Guidance Center vs RetireePlan

Fidelity Planning & Guidance Center8.6Visit RRetireePlan—Visit

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

R RetireePlan #8 in Retirement Planning Software —/10 Free plan Free plan✓ 4 of 5 features Visit RetireePlan

• 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 8.6/10 Visit ↗	RRetireePlan —/10 Visit ↗
At a glance
Editor score	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	Not published	Not published
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 published
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 →

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

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

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

  Visit FidelityFull verdict →
• RRetireePlan—/10 · Free plan

  Detailed Canadian retirement projections, tax modeling, and scenarios at no cost.

  Visit RetireePlanFull verdict →