Fidelity Planning & Guidance Center vs WealthTrace

Fidelity Planning & Guidance Center9.3Visit WealthTrace8.4Visit

Higher score Fidelity Planning & Guidance Center #2 in Retirement Planning Software 9.3/10 Free plan Free plan✓ 5 of 5 features Visit Fidelity

vs

WealthTrace #10 in Retirement Planning Software 8.4/10 Paid ✓ 5 of 5 features Visit WealthTrace

• Fidelity Planning & Guidance Center fits best

  Fidelity customers wanting free, connected planning

• WealthTrace fits best

  People comparing linked accounts and detailed tax scenarios

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature	Fidelity Planning & Guidance Center 9.3/10 Visit ↗	WealthTrace 8.4/10 Visit ↗
At a glance
Editor score	9.3	8.4
Ranking	#2 in Retirement Planning Software	#10 in Retirement Planning Software
Best for	Fidelity customers wanting free, connected planning	People comparing linked accounts and detailed tax scenarios
Pricing model	Free	Paid
Starting price	Free	$229/yr
Free plan	✓ (best)	—
Free trial	—	—
Deployment	Cloud	Cloud
Platforms	Web	Web
Integrations	3 integrations	2 integrations
Features Fidelity Planning & Guidance Center 5/5 · WealthTrace 5/5
Income projection	✓	✓
Savings growth projection	✓	✓
Withdrawal planning	✓	✓
Social Security modeling	✓	✓
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	Projects income, expenses, investments, taxes and Social Security benefits Combines Monte Carlo analysis with what-if and multi-variable scenarios Supports linked or manually entered accounts and customizable withdrawals
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	Individual plans start at $229 per year, billed annually Linked accounts are read-only rather than editable through WealthTrace Web-only access may not suit people seeking a desktop or mobile app
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 →	WealthTrace brings retirement income planning, investment projections and tax analysis into a web-based tool for individuals, advisors and employers. It models income, expenses, investment balances, taxes, Social Security benefits and… 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

• WealthTrace — where it wins

  • Projects income, expenses, investments, taxes and Social Security benefits
  • Combines Monte Carlo analysis with what-if and multi-variable scenarios
  • Supports linked or manually entered accounts and customizable withdrawals

  Where it doesn't

  • Individual plans start at $229 per year, billed annually
  • Linked accounts are read-only rather than editable through WealthTrace
  • Web-only access may not suit people seeking a desktop or mobile app

• Fidelity Planning & Guidance Center9.3/10 · Free plan

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

  Visit FidelityFull verdict →
• WealthTrace8.4/10 · Paid

  Detailed retirement projections and tax scenarios, starting at $229 per year.

  Visit WealthTraceFull verdict →