Tech riderRev. 2 Oct 2026

Fidelity Planning & Guidance Center

Ch 096.9of 26 Retirement Planning Software

1Runs onWeb
2CostsFree plan
3Income projectionYes
4Savings growth projectionYes
5Withdrawal planningYes
6Tax modelingdetailed
7Social Security modelingYes
8Scenario analysisYes

8 lines stated Written from the maker's own pages: fidelity.com

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The Fidelity Planning & Guidance Center homepage

Overview

Fidelity Planning & Guidance Center is a free web tool for reviewing retirement readiness, investment strategies, and possible next steps. Retirement Analysis lets users explore hypothetical scenarios based on current savings and estimated future contributions, while multiple independent financial goals can be created and monitored. The analysis uses historical returns, market volatility, and correlations to estimate potential retirement income. Fidelity says Probability of Success replaced the Fidelity Retirement Score as a holistic measure of financial plan strength and supports planning beyond retirement. Information may carry into other Fidelity tools, including Guided Portfolio Summary and Fidelity Income Strategy Evaluator. The tool may use financial details previously provided to Fidelity, a workplace plan sponsor, or a third party, so users should check them for accuracy. Its projections are hypothetical, do not represent actual investment results, and are not guarantees. The analysis is informational and nondiscretionary, not personalized advice. Generating a plan has no fee, though investment expenses and account transaction fees may still apply.

Who it is for

It suits people who want to explore retirement scenarios, estimate potential income, and track multiple financial goals. It may not fit some situations, including foreign tax liability, significant margin debt, or certain legal proceedings.

What is good

Models scenarios using savings and estimated contributions
Supports multiple independent financial goals
Uses market history and volatility in income estimates
No fee to generate a plan

What to know first

Projections are not guarantees of future results
Analysis is informational, not personalized advice
May not suit foreign tax liability or significant margin debt

Verdict

The center offers scenario analysis and goal tracking without a fee to generate a plan. Treat its projections as hypothetical and check account information for accuracy; investment and transaction fees may still apply.

Fidelity Planning & Guidance Center plans and pricing

All plans

Free plan Free No fee to generate a plan · investment expenses and account transaction fees may still apply fidelity.com · 2 Oct 2026

Compared on retirement planning software

Free plan: Yesfidelity.com
Income projection: Yesfidelity.com
Savings growth projection: Yesfidelity.com
Withdrawal planning: Yesfidelity.com
Tax modeling: detailedfidelity.com
Social Security modeling: Yesfidelity.com
Scenario analysis: Yesfidelity.com
Account synchronization: read_onlyfidelity.com

Facts

Purpose: The center helps users assess retirement readiness, review investment strategies, and get a report with next steps to consider.fidelity.com · 2 Oct 2026
What-if scenarios: Retirement Analysis lets users explore hypothetical scenarios based on current savings and estimated future contributions.fidelity.com · 2 Oct 2026
Goals: Users can create and monitor multiple independent financial goals.fidelity.com · 2 Oct 2026
Analysis: Retirement Analysis uses historical returns, market volatility, and correlations to estimate potential retirement income.fidelity.com · 2 Oct 2026
New measure: Fidelity says Probability of Success replaced the Fidelity Retirement Score as a holistic measure of financial plan strength and supports planning beyond retirement.about.fidelity.com · 2 Oct 2026
Connected tools: Planning information may carry into other Fidelity tools, including Guided Portfolio Summary and Fidelity Income Strategy Evaluator.fidelity.com · 2 Oct 2026
Account data: The tool may use financial information previously provided to Fidelity, by a workplace plan sponsor, or by a third party, and users should verify its accuracy.fidelity.com · 2 Oct 2026
Workplace support: Workplace plan participants can contact the Workplace Guidance Desk for support and questions about results.fidelity.com · 2 Oct 2026
Hypothetical results: The tool's projections are hypothetical, do not reflect actual investment results, and are not guarantees of future results.fidelity.com · 2 Oct 2026
Who may need other guidance: The tool assumes primarily U.S. tax liability and may not be appropriate for some situations, including foreign tax liability, significant margin debt, or certain legal proceedings.fidelity.com · 2 Oct 2026
Not personalized advice: The retirement analysis is informational and nondiscretionary; users decide whether to implement its planning strategy.fidelity.com · 2 Oct 2026
Security and privacy: Fidelity says information entered into its site search assistant is not stored or reviewed except to provide search results, and advises users not to enter personal or account information there.fidelity.com · 2 Oct 2026