Family Office vs Fidelity

We make Family Office. Every fact about another app here comes from its own public pages, linked below and dated; where those pages do not say, the cell is blank. Family Office's column comes from its own code.

Who Fidelity suits

Fidelity offers free retirement tools: in the UK, a short anonymous retirement calculator powered by Wealth Wizards; in the US, a Retirement Planner for persons in the US.

Side by side

Feature	Family Office (ours)	Fidelity
UK tax	Income tax with Scotland's own bands, capital gains tax and dividend tax, year by year in the plan, and inheritance tax on the estate it leaves	UK calculator: a basic income tax calculation
US tax	Federal and state income tax (51 regimes, one per state and DC), capital gains and dividends with the net investment income tax, 85 percent of Social Security taxed (the statutory maximum) and IRMAA on Medicare premiums, year by year in the plan, and federal estate tax on the estate it leaves	US planner: federal, state and local income tax on investment earnings, retirement plan withdrawals, Social Security and earned income, with pensions taxed in full and capital gains and qualified dividend rates; the alternative minimum tax, the net investment income tax, estate tax and foreign tax are not covered
Other countries	122 tax regimes in 34 countries; a move from one to another in the plan on Premium and up	UK calculator for the UK; US planner for persons in the US only
Monte Carlo	The chance of success on every plan, the Free plan included; the paths and the fan chart on Gold and Platinum	US planner: yes
Companies and trusts	On Platinum: any number of companies, sole traders, partnerships or trusts, beside the household
Property	Homes and rentals with their mortgages, purchases and sales: 1 on Free, 3 on Premium, no limit on Gold and Platinum	UK calculator: assumes you are mortgage and rent free by retirement
Pensions	UK: SIPP, ISA, Lifetime ISA, Junior ISA and State Pension. US: 401(k), IRA, Roth IRA, 529 and Social Security. Canada: RRSP, RRIF, TFSA, FHSA, RESP, CPP and OAS. Other pension income as an annuity.	UK calculator: pension savings and a full State Pension of GBP 12,547 a year; defined benefit pensions left out. US planner: Social Security, pensions and annuities
Bank links	Through Plaid (United States): 2 on Premium, 10 on Gold and Platinum. Not yet: United Kingdom
Free plan	Yes, with no card and no time limit: up to 8 items, one taxpayer and a projection of 5 periods. The paid plans start with 14 days free, card needed. The calculators are free, with no account.	UK calculator: an anonymous short quiz
Price	£12 to £49 a month ($15 to $59, CA$20 to CA$79); a year costs the price of 10 months	No fee to generate a plan
Where data is kept	Amazon Web Services in London (eu-west-2); bank links (Plaid), payments (Stripe) and maps (Google) through US providers; e-mail through Google Workspace; see the privacy policy for the full list
Export	The whole plan as a file you can import again, on every plan; the report printed to PDF on the paid plans; budget transactions as CSV

A blank cell: Fidelity's public pages did not say.

When Fidelity is the better choice

You want a quick estimate with no account: the UK calculator is an anonymous short quiz.
You save with Fidelity: a customer can log in to see their Fidelity pension savings in the calculator.
You live in the US and want a free plan from the firm that holds your savings: there is no fee to generate one.

When Family Office is the better choice

You want UK tax worked out in the plan: income tax with Scotland's bands, capital gains and dividends year by year, and inheritance tax on the estate the plan leaves.
Your life spans more than one country: 122 tax regimes in 34 countries, and a move from one to another in the plan (Premium and up).
You own several properties: purchases, sales, mortgages and rents, line by line in the statements.
You own a company, a partnership or a trust: Platinum keeps any number of them beside the household.

Sources

Facts about other apps checked on 2026-11-10. Prices and features change: each app's own page is the reference.

Other comparisons

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