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Fidelity Planning & Guidance Center
Boston, Massachusetts, United States
What it is
Fidelity Planning & Guidance Center is a free web tool for assessing retirement readiness, reviewing investment strategies, and considering next steps. Its Retirement Analysis feature lets users explore hypothetical scenarios based on current savings and estimated future contributions, while users can create and monitor multiple independent financial goals. 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. Planning information may carry into other Fidelity tools, including Guided Portfolio Summary and Fidelity Income Strategy Evaluator. The tool may use financial information previously provided to Fidelity, a workplace plan sponsor, or a third party, so users should verify its accuracy. Results are hypothetical, do not reflect actual investment results, and are not guarantees. The analysis is informational and nondiscretionary, not personalized advice; users decide whether to implement its strategy. It assumes primarily U.S. tax liability and may not suit people with foreign tax liability, significant margin debt, or certain legal proceedings. There is no fee to generate a plan, though investment expenses and account transaction fees may still apply.
For and against
For
- Models scenarios using savings and future contributions.
- Supports multiple independent financial goals.
- Estimates retirement income using historical market measures.
- No fee to generate a plan.
Against
- Projections are not guarantees of future results.
- Analysis is not personalized investment advice.
- Assumes primarily U.S. tax liability.
- Investment expenses and transaction fees may still apply.
The verdict
The center offers scenario analysis and goal tracking without a fee to generate a plan. Its projections are hypothetical, and users should verify the financial data used and consider whether the tool's assumptions fit their circumstances.
Who it suits
It suits people reviewing retirement readiness and modeling financial goals under primarily U.S. tax circumstances. Workplace plan participants can contact the Workplace Guidance Desk with questions about results.
Plans and prices
Free plan
No fee to generate a plan · investment expenses and account transaction fees may still apply
Read 2 Oct 2026 · fidelity.com
On the record
- 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 · read 2 Oct 2026
- Analysis
- Retirement Analysis uses historical returns, market volatility, and correlations to estimate potential retirement income.fidelity.com · read 2 Oct 2026
- Connected tools
- Planning information may carry into other Fidelity tools, including Guided Portfolio Summary and Fidelity Income Strategy Evaluator.fidelity.com · read 2 Oct 2026
- Goals
- Users can create and monitor multiple independent financial goals.fidelity.com · read 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 · read 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 · read 2 Oct 2026
- Not personalized advice
- The retirement analysis is informational and nondiscretionary; users decide whether to implement its planning strategy.fidelity.com · read 2 Oct 2026
- Purpose
- The center helps users assess retirement readiness, review investment strategies, and get a report with next steps to consider.fidelity.com · read 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 · read 2 Oct 2026
- What-if scenarios
- Retirement Analysis lets users explore hypothetical scenarios based on current savings and estimated future contributions.fidelity.com · read 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 · read 2 Oct 2026
- Workplace support
- Workplace plan participants can contact the Workplace Guidance Desk for support and questions about results.fidelity.com · read 2 Oct 2026
