Skip to content
SPECIFICTION
Get listed

Fidelity Planning & Guidance Center

fidelity.com

Free plan Web
Visit fidelity.com
Spec score 7.8 #12 of 26 in Retirement Planning Software

What it is

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.

Spec sheet

Purpose
The center helps users assess retirement readiness, review investment strategies, and get a report with next steps to consider.Read 2 Oct 2026 · fidelity.com
Headquarters
Boston, Massachusetts, United StatesRead 23 Sep 2026 · fidelity.com
Founded
1946Read 23 Sep 2026 · fidelity.com
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.Read 2 Oct 2026 · fidelity.com
Analysis
Retirement Analysis uses historical returns, market volatility, and correlations to estimate potential retirement income.Read 2 Oct 2026 · fidelity.com
Connected tools
Planning information may carry into other Fidelity tools, including Guided Portfolio Summary and Fidelity Income Strategy Evaluator.Read 2 Oct 2026 · fidelity.com
Goals
Users can create and monitor multiple independent financial goals.Read 2 Oct 2026 · fidelity.com
Hypothetical results
The tool's projections are hypothetical, do not reflect actual investment results, and are not guarantees of future results.Read 2 Oct 2026 · fidelity.com
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.Read 2 Oct 2026 · about.fidelity.com
Not personalized advice
The retirement analysis is informational and nondiscretionary; users decide whether to implement its planning strategy.Read 2 Oct 2026 · fidelity.com
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.Read 2 Oct 2026 · fidelity.com
What-if scenarios
Retirement Analysis lets users explore hypothetical scenarios based on current savings and estimated future contributions.Read 2 Oct 2026 · fidelity.com
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.Read 2 Oct 2026 · fidelity.com
Workplace support
Workplace plan participants can contact the Workplace Guidance Desk for support and questions about results.Read 2 Oct 2026 · fidelity.com

Plans and prices

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

Every Fidelity Planning & Guidance Center plan and price →

Strong points and limits

Strong points

  • 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

Limits

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

Who it suits

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.

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.

Where Specifiction places it

Alternatives to Fidelity Planning & Guidance CenterAll alternatives →