ProjectionLab vs Fidelity Planning & Guidance
ProjectionLab and Fidelity's Planning & Guidance Center represent two philosophies: independent tool vs brokerage ecosystem. Fidelity's planner is free for account holders and integrates seamlessly with your Fidelity investments. ProjectionLab is platform-agnostic, works with any brokerage, and offers dramatically more simulation depth. For Fidelity customers wondering if they need a separate planning tool, this comparison cuts through the noise.
TL;DR — Quick Verdict
ProjectionLab → wins this comparison with a score of 48 vs 43. Investors wanting brokerage-independent planning with deep simulation capabilities. Fidelity Planning & Guidance is better if you need: fidelity customers who want integrated retirement planning at zero additional cost.
Quick Facts — ProjectionLab vs Fidelity Planning & Guidance
Categories compared: Simulation Depth, Ease of Setup, Tax Optimization, Cost, Platform Independence, Beginner Friendliness. Analysis by the Velocity AI Insights editorial team. Last updated 2025-06-23.
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ProjectionLab
Brokerage-Agnostic Planning Power
Basic free (ad-hoc projections). Premium $129/year. Lifetime $1,199 one-time. Works with any brokerage.
Best For
Investors wanting brokerage-independent planning with deep simulation capabilities
Strengths
Weaknesses
Fidelity Planning & Guidance
Free Integrated Brokerage Planning
Completely free for all Fidelity account holders. Part of the Fidelity platform with no additional subscription.
Best For
Fidelity customers who want integrated retirement planning at zero additional cost
Strengths
Weaknesses
Feature-by-Feature Comparison
Scores out of 100 based on capability depth, market feedback, and implementation quality.
48
Total Score
ProjectionLab wins 5 points
43
Total Score
Ready to Try ProjectionLab?
ProjectionLab scored 48 vs 43 — investors wanting brokerage-independent planning with deep simulation capabilities.
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Side-by-side pricing, features, and our #1 pick
Detailed Analysis
Our Verdict
Based on hands-on analysis across 6 categories by the Velocity AI Insights editorial team.
ProjectionLab wins for anyone serious about retirement planning. Its simulation engine, tax optimization, and scenario comparison capabilities are leagues beyond Fidelity's free planner. But Fidelity wins on accessibility — it's free, automatically syncs with your investments, and offers a guided experience for beginners. Start with Fidelity's free tools, then graduate to ProjectionLab when you're ready for deeper analysis.
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