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.
Other EnoughMoney Comparisons
See all comparisons at /vs or visit our 2026 FIRE Planning Tools roundup.
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.