Start with a goal, create a free plan, enjoy your life

We can help you create a flexible plan around the things that matter to you, so you can feel in control and enjoy more of life right now. That's the Planning Effect from Fidelity.


Start with a goal


Not a Fidelity customer? We can show you where you stand.

What you get with a free plan1

A plan built for your life

See where all your goals stand in one simple view—from retirement to emergency savings—and how each fits into your full financial picture.

Balance risk and reward

We'll help you find a mix of investments that allows you to feel comfortable while helping your money work harder.

Adapt to what comes next

Our tools not only help you track your progress, they allow you to make changes to your plan at any time—with no obligation and at no cost to you.

Let's take the first step together


No matter where you are in the process, we can help you feel better about where you're going and what to do next.




Not a customer yet? Open a retail IRA with no account fees or minimums 2 and start building your plan.




Review all account options

Not a customer yet? Explore your retirement outlook


Just answer 6 simple questions and in 60 seconds we'll help see where your retirement planning stands and provide some helpful next steps to consider.


Let's go