Set a goal, make a plan, live your life

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

What you get with a free plan1

Planning for retirement

In just a few minutes, we can show you a snapshot of where your retirement planning stands, while providing ways to build on what you've done.

Explore life's "what ifs"

Spend less? Save more? Change the way you invest? We can show you the impact of different scenarios. And if you like what you see we make it easy to add changes to your plan.

Always know what comes next

When you have a plan we can help you answer the question, “What else can I be doing?” By providing clarity when you need it most, we’ll help you feel more prepared.

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.

Want to see where you stand right now?


Know where you stand for retirement in just 60 seconds. Answer 6 simple questions to get your score and additional steps to consider as you save for retirement.


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