Creating a retirement plan can help you turn your future goals into a plan you can act on today, so you can keep making progress toward the life you want.
Use our tools to build a personalized plan that helps connect the steps you take today to your retirement goals.
Understand where you stand today and discover strategies that could help make your money last in retirement.
Connect with our financial professionals for help answering any questions you may have as you build your retirement plan.
Use our tools to model scenarios in order to understand how changes to your retirement age, investment strategy, or retirement account allocation can affect how long your savings may last in retirement.
Your plan is flexible and can adapt as your priorities, goals, and needs change. We’ll help you balance today’s financial priorities while staying connected to your long-term retirement goals.
You have goals, and we’ve got the solutions to help you achieve them. To open most retirement accounts, there are no account fees or minimums.2 Discover why 1 in 5 Americans trust Fidelity to help them save for the future.3
Once you contribute to your Roth, potential growth within the account is tax-free. Contributions you add to your account may be withdrawn at any time, penalty-free.
Reduce your taxable income by deducting your contributions, if eligible, and your potential earnings grow tax-deferred.4
If you are looking to move your old 401(k) and workplace accounts into one IRA, you can do so without taxes or penalties.5
Whether you’re looking for professional investment management or want to collaborate with an advisor, we offer a number of ways to work together.
Discover practical strategies, guidance, and tips to help you build retirement savings and stay focused on your long-term goals.
Understand your Roth and traditional IRA eligibility, contribution limits, and tax deductions.
We can help you find the answers.
IMPORTANT: The projections or other information generated by the Planning & Guidance Center's Retirement Analysis regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
Screenshots are for illustrative purposes only.
Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.
Advisory services provided for a fee through Strategic Advisers LLC (Strategic Advisers), a registered investment adviser and a Fidelity Investments company. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. Strategic Advisers, FBS, and NFS are Fidelity Investments companies.
1. Fidelity's Planning & Guidance center allows you to create and monitor multiple independent financial goals. While there is no fee to generate a plan, expenses charged by your investments and other fees associated with trading or transacting in your account would still apply. You are responsible for determining whether, and how, to implement any financial planning considerations presented, including asset allocation suggestions, and for paying applicable fees. Financial planning does not constitute an offer to sell, a solicitation of any offer to buy, or a recommendation of any security by Fidelity Investments or any third party.
2. Zero account minimums and zero account fees apply to retail brokerage accounts only. Fidelity may apply a quarterly Residual Balance Maintenance Fee of up to $5 to brokerage accounts with residual balances below $100 that are not invested (other than in a core position) and have not been used for any financial transactions other than core dividend and interest payment and/or reinvestment in over a year. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.
3. Based on the number of unique Fidelity customers as a percentage of the US 18+ population estimated using 2023 Census estimates and forecasted annual population growth from the US Census.
4. A distribution from a Traditional IRA is penalty-free provided certain conditions or circumstances are applicable: age 59 ½; qualified first-time homebuyer, up to $10,000; birth or adoption expense (up to $5,000); qualified higher education expense; death or disability; health insurance premiums (if you are unemployed); some unreimbursed medical expenses; substantially equal periodic payments; or tax levy.
5. Generally, there are no tax implications if you complete a direct rollover and the assets go directly from your employer sponsored plan into a Rollover, Traditional or Roth IRA (as applicable) via a trustee to trustee transfer.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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