Personal Capital (Empower)
Yes (Monte Carlo simulation)
retirement projections
Yes
social security calculator
Yes (tax-location optimization)
tax optimization
Yes
withdrawal strategy
Yes (for accounts $100K+)
advisor access
Free tools; 0.49-0.89% AUM for advisory
monthly price
Fidelity Retirement Score
Yes (score-based, 1-150)
retirement projections
Yes
social security calculator
Limited
tax optimization
Yes (income planning)
withdrawal strategy
Yes (free for Fidelity customers)
advisor access
Free
monthly price
NewRetirement
Yes (detailed Monte Carlo)
retirement projections
Yes (advanced optimization)
social security calculator
Yes (Roth conversion, tax bracket planning)
tax optimization
Yes (multiple strategies)
withdrawal strategy
Yes (PlannerPlus includes CFP access)
advisor access
Free (basic); $120/yr (PlannerPlus)
monthly price
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