Fidelity Planning & Guidance Center
Free retirement and financial-goal planning for Fidelity customers
At a glance
- Editor score8.6 / 10
- PricingFree plan
- Best forFidelity customers wanting free, connected planning
- Free planYes
- Paid fromNone
- Tax modelingDetailed
- Founded1946 · Boston, Massachusetts, United States
- Facts checked19 Sep 2026
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
Our verdict on Fidelity Planning & Guidance Center
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, taxes, Social Security and investment assumptions to estimate potential retirement income. Users can also track multiple independent goals. Its breadth makes it relevant to people who want to examine retirement alongside other priorities, rather than focus on a single savings target.
The planner’s analysis spans income projections, savings growth, withdrawal and income strategies, asset mixes, and hypothetical what-if scenarios. It estimates federal, state and local taxes across income and account types, and includes Social Security benefit estimates and claiming strategies. These are planning estimates: Fidelity says plans are informational and hypothetical, and tax estimates do not calculate actual tax liabilities. That distinction matters for anyone who needs tax preparation or definitive projections rather than a planning model.
Generating a plan has no fee, and the published plan details list retirement and other financial-goal planning plus hypothetical analysis. Fidelity accounts, workplace savings plans and external financial institution accounts can be brought into the planning experience; external aggregation is through Full View and is read-only. Manually entered accounts do not automatically update. The planner is therefore a fit for Fidelity customers who want connected, broad planning at no plan-generation cost, while people seeking automatically refreshed manual entries or tax-liability calculations should look elsewhere. Investment expenses and trading or transaction fees may still apply.
Fidelity Planning & Guidance Center pricing
All 1 Fidelity Planning & Guidance Center plans and prices →
Fidelity Planning & Guidance Center fact sheet
| Free plan | Yes |
|---|---|
| Paid from | None |
| Income projection | Yes |
| Savings growth projection | Yes |
| Withdrawal planning | Yes |
| Tax modeling | Detailed |
| Social Security modeling | Yes |
| Scenario analysis | Yes |
| Account synchronization | Read_only |
| Deployment | Cloud |
| Platforms | Web |
| Integrations | 3 integrations: Fidelity accounts, Fidelity workplace savings plans, External financial institution accounts via Full View |
| Pricing | Free plan (source) |
| Website | fidelity.com |
| Facts checked | 19 Sep 2026 |
Fidelity Planning & Guidance Center integrations
Fidelity Planning & Guidance Center lists 3 integrations on its own site.
- Fidelity accounts
- Fidelity workplace savings plans
- External financial institution accounts via Full View
Alternatives to Fidelity Planning & Guidance Center
- BoldinA guided retirement plan with detailed projections, plus a free tier to get started.9.6
- MaxiFiDeep lifetime and retirement planning across web, desktop, and mobile for an annual fee.7.4
- ProjectionLabA visual retirement planner with free projections and paid tax, withdrawal, and scenario tools.9.6
See all Fidelity Planning & Guidance Center alternatives →
Fidelity Planning & Guidance Center vs the competition
- Fidelity Planning & Guidance Center vs Boldin
- Fidelity Planning & Guidance Center vs MaxiFi
- Fidelity Planning & Guidance Center vs ProjectionLab
- Fidelity Planning & Guidance Center vs The Complete Retirement Planner
- Fidelity Planning & Guidance Center vs Flexible Retirement Planner
- Fidelity Planning & Guidance Center vs RetireGolden
Compare Fidelity Planning & Guidance Center with any tool side by side →
Used Fidelity Planning & Guidance Center? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Fidelity Planning & Guidance Center for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
Fidelity Planning & Guidance Center is listed in our Retirement Planning Software directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/fidelity-planning-guidance-center/"><img src="https://www.itechguides.com/best/badge/fidelity-planning-guidance-center.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. It never changes a score or a verdict. How we rank.