Honest Comparison · 2026

EnoughMoney vs Fidelity Retirement Planning

Fidelity Investments offers a suite of retirement planning tools (Planning Summary, Retirement Analysis Tool, Income Strategy Evaluator) free to account holders — primarily as engagement and cross-sell surface for Fidelity's brokerage and managed products.

Bottom Line

Fidelity's tools are a great free add-on for Fidelity customers doing conventional US retirement planning. EnoughMoney is the better tool for FIRE-specific or internationally-minded retirees.

Feature-by-Feature Comparison

Feature	EnoughMoney	Fidelity Retirement Planning
Retirement Math
Safe Withdrawal Rate Calculator	✓Yes	Fidelity methodology
Monte Carlo simulation	✓Yes	✓Yes
Historical returns backtest	✓Yes	✗No
Dynamic / variable withdrawal (Guyton-Klinger, VPW)	✓Yes	✗No
Sequence-of-returns risk modeling	✓Yes	Basic
Tax Planning
US federal tax engine	✓Yes	Basic
US state tax (all 50 states)	✓Yes	✗No
International tax (86 countries)	✓Yes	✗No
Roth conversion modeling	✓Yes	Basic
Tax-optimized withdrawal sequencing	✓Yes	✓Yes
Geographic Intelligence
City cost-of-living comparison	✓Yes	✗No
Cities covered	307	None
Geo-arbitrage FIRE modeling	✓Yes	✗No
Lifestyle-tier simulator	✓Yes	✗No
Planning & Experience
Multi-account portfolio tracking	✓Yes	Fidelity accounts only
What-if scenarios	✓Yes	✓Yes
AI-powered coaching	✓Yes	✗No
Public calculators (no login)	✓Yes	Partial (some require login)
Mobile access	Web-responsive	Native iOS + Android

Based on publicly available feature documentation as of 2026-04-17. Corrections and updates welcome.

Pricing: Fidelity Retirement Planning vs EnoughMoney

Fidelity Retirement Planning

Free: Free for Fidelity account holders

EnoughMoney

Free: All public calculators (FIRE, SWR, Roth, tax, city comparison) — no signup.

Navigator: $19/mo or $15/mo annual ($179/yr)the money dimension — personal CFO: FIRE planning, tax, withdrawal, lifestyle simulator
Architect: $29/mo or $23/mo annual ($279/yr)all 10 dimensions of a wealthy life — adds Studio, Thread, life-events planning, emotional resilience

What Fidelity Retirement Planning Does Well

✓Integrated with your Fidelity accounts (no manual data entry if you're already a customer)
✓Completely free for Fidelity customers
✓Large brokerage brand backing = high reliability and active development
✓Income Strategy Evaluator is solid for Fidelity-customer drawdown planning
✓Fidelity's research content (Viewpoints) is high-quality financial education

Where EnoughMoney Goes Further

→Only useful if you're already a Fidelity customer; no value for non-customers
→Primary purpose is driving engagement and product sales (managed accounts, annuities, advisory services)
→Planning assumptions often nudge toward Fidelity products
→US-only; no international tax or cost-of-living
→No FIRE-specific features (Coast, Barista, early-retirement bridge strategies)

Which Should You Pick?

Pick Fidelity Retirement Planning if…

Use Fidelity's tools if you're already a Fidelity customer and your planning is conventional US retirement (age 65+, staying in the US, standard accounts). It's convenient and genuinely good for that demographic.

Visit Fidelity Retirement Planning →

Pick EnoughMoney if…

Use EnoughMoney if you're planning FIRE (pre-59.5 retirement), considering retiring abroad, want platform-agnostic tools (not tied to one brokerage), or need international tax modeling.

Try our FIRE Calculator →

FAQs

Are Fidelity's retirement tools free?

Yes, for Fidelity account holders. Tools require a login; non-customers can't use them.

Will Fidelity pitch me products?

Yes. Retirement tools are a primary engagement funnel to Fidelity Go, managed accounts, annuities, and advisory services. The tools are still usable; just expect the occasional product suggestion.

Which is better for FIRE planning?

EnoughMoney. Fidelity's methodology assumes conventional retirement age (65). FIRE-specific strategies like Coast FIRE, Barista FIRE, Roth ladder, or 72(t) SEPP aren't first-class in their tools.

Try EnoughMoney — free, no credit card

Run our FIRE calculator, compare cities, model your tax drag across 86 countries, or explore the lifestyle simulator. All core planning is free; Navigator ($19/mo) unlocks AI coaching and the full personal plan.

Create Free Account Try calculator first

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This comparison is an independent editorial analysis. EnoughMoney has no affiliate or financial relationship with Fidelity Retirement Planning. Feature descriptions reflect publicly-available documentation as of April 2026 — things change; verify current features before subscribing.