If you’re looking at Fidelity Go and wondering what the catch is with the pricing, here’s the short answer: there mostly isn’t one — at least until your balance crosses $25,000. Below that threshold, you pay nothing for management. Above it, you pay 0.35% annually. No trading commissions, no account fees, no fund expense ratios on top of that.
But there’s more to the cost picture than a single headline number, so this breakdown covers everything — the fee tiers, what’s included, what’s not, and how Fidelity Go stacks up against Betterment, Wealthfront, and other robo-advisors worth considering in 2026.
Fidelity Go Pricing at a Glance
| Balance Tier | Annual Management Fee | Underlying Fund Costs |
|---|---|---|
| $0 – $24,999 | 0% (free) | $0 (Fidelity Flex funds) |
| $25,000+ | 0.35% per year | $0 (Fidelity Flex funds) |
| No minimum to open | — | — |
That 0.35% fee on balances over $25K is billed monthly — so it works out to roughly $0.029% of your balance each month. On a $50,000 account, that’s about $14.58/month or $175/year.
One thing worth noting: Fidelity Go uses its own Fidelity Flex mutual funds, which carry zero expense ratios. Most robo-advisors invest through ETFs that have their own expense ratios on top of the management fee. With Fidelity Go, you don’t have that second layer of cost.
How the Fee Tiers Actually Work
Under $25,000: Genuinely Free
Fidelity Go has no management fee for accounts under $25,000. This isn’t a limited-time promotion — it’s been the structure for years and remains the same in 2026.
There’s also no minimum balance to open an account, though you’ll need at least $10 to get your money invested (amounts under $10 just sit in cash until you hit that threshold).
What you get at the free tier: automatic rebalancing, a diversified portfolio matched to your risk tolerance, and access to Fidelity’s financial planning tools. You can also chat with a financial advisor through the app, though that access is more limited at this tier.
Over $25,000: The 0.35% Advisory Fee
Once your balance crosses $25,000, Fidelity Go charges 0.35% of your total account value annually. This fee applies to your whole balance — not just the amount above $25K.
At this tier you also get unlimited one-on-one calls with Fidelity advisors, which is a meaningful perk that some competitors charge extra for or don’t offer at all.
The 0.35% fee is charged monthly based on your average daily balance. If your balance dips below $25,000, you stop being charged the fee until it climbs back above.
What’s Included in the Fee
Whether you’re in the free tier or paying 0.35%, Fidelity Go manages the following:
- Portfolio construction: Fidelity builds a diversified mix of stocks and bonds using Fidelity Flex funds based on your goal, timeline, and risk tolerance
- Automatic rebalancing: When your portfolio drifts too far from your target allocation, Fidelity rebalances it back — no action needed from you
- Dividend reinvestment: Dividends get reinvested automatically
- Financial planning tools: Goal tracking, retirement projections, and savings guidance through the Fidelity app
What Fidelity Go Doesn’t Include
A few things worth knowing before you sign up:
No tax-loss harvesting. This is the most notable absence. Tax-loss harvesting is a strategy where a robo-advisor automatically sells positions at a loss to offset gains elsewhere, reducing your tax bill. Betterment and Wealthfront both offer this; Fidelity Go does not. For investors in higher tax brackets with taxable accounts, this can be a meaningful difference.
No direct indexing. Some premium robo-advisors now offer direct indexing (buying individual stocks instead of funds) for very large accounts. Fidelity Go doesn’t offer this.
Limited customization. You can’t choose specific funds, tilt toward sectors, or exclude certain industries. The portfolio is Fidelity’s standard allocation based on your risk profile.
Fidelity Go vs. Competitors: Side-by-Side
Here’s how Fidelity Go’s pricing compares to the main alternatives in 2026:
| Robo-Advisor | Management Fee | Fund Costs | Tax-Loss Harvesting | Min Balance |
|---|---|---|---|---|
| Fidelity Go | 0% (under $25K) / 0.35% | $0 (Flex funds) | No | $0 |
| Betterment | 0.25% / $4–$10/mo | ~0.07–0.15% ETFs | Yes | $0 |
| Wealthfront | 0.25% | ~0.07–0.16% ETFs | Yes | $500 |
| Schwab Intelligent Portfolios | 0% | ~0.03–0.24% ETFs | Yes ($5K+ only) | $5,000 |
| SoFi Automated | 0% | ~0.03% ETFs | No | $1 |
A few observations from that table:
Betterment charges 0.25% annually plus $4/month (or $10/month for premium), and its ETF expense ratios add another 0.07–0.15%. The full Betterment fee breakdown is worth reading if you’re comparing these two closely — the total cost can end up higher than Fidelity Go’s 0.35% once you account for fund costs.
Wealthfront at 0.25% is cheaper than Fidelity Go’s 0.35% paid tier, and it includes tax-loss harvesting. For taxable accounts, this could make Wealthfront the better value despite the higher management fee on paper — though you need at least $500 to open.
Schwab Intelligent Portfolios is free at 0%, but it keeps a notable cash allocation in your portfolio (sometimes 6–10%), which is how they make money. That cash drag can quietly reduce your returns more than a small management fee would.
SoFi Automated Investing is free with rock-bottom ETF costs, but lacks tax-loss harvesting and has less robust planning tools. It’s a reasonable starter option but probably not for serious long-term investors who want more hands-off sophistication.
If you want a broader look at the robo-advisor landscape for taxable investing specifically, the best robo-advisors for taxable accounts guide goes deeper on after-tax return comparisons.
The Real Cost in Dollars
Sometimes percentages don’t feel real until you see them as actual numbers. Here’s what Fidelity Go costs at various balance levels:
| Account Balance | Annual Fee | Monthly Fee |
|---|---|---|
| $5,000 | $0 | $0 |
| $15,000 | $0 | $0 |
| $25,000 | $87.50 | $7.29 |
| $50,000 | $175.00 | $14.58 |
| $100,000 | $350.00 | $29.17 |
| $250,000 | $875.00 | $72.92 |
For context: that $175/year on a $50,000 account is less than you’d pay for a single monthly subscription to many services. But it’s also less than what most human financial advisors charge (typically 1% or more), which is part of why robo-advisors exist.
The question isn’t really whether $175/year is expensive in absolute terms — it’s whether you’re getting enough value for it compared to a free alternative like Schwab’s offering, or a cheaper one like Wealthfront.
Who Fidelity Go Actually Makes Sense For
Fidelity Go tends to be a strong fit if:
- You’re just starting out — the $0 management fee under $25K is genuinely hard to beat for beginners
- You’re already a Fidelity customer — having everything in one place (brokerage, IRA, 401k, robo-advisor) has real practical value
- You want simplicity over optimization — you’re not concerned about squeezing out extra tax alpha via tax-loss harvesting
- You want access to human advisors — at $25K+ you get unlimited advisor calls, which isn’t standard at this price point
Fidelity Go is probably not the best fit if:
- You have a large taxable account and care about tax efficiency — in that case, Wealthfront or Betterment with tax-loss harvesting likely makes more sense
- You want portfolio customization or ESG filtering
- You want to use your own ETF preferences rather than Fidelity’s proprietary funds
For broader context on what Fidelity charges across its product lineup (brokerage accounts, IRAs, managed accounts), the Fidelity fees overview for 2026 is a good companion read.
Frequently Asked Questions
Does Fidelity Go charge any hidden fees?
No meaningful hidden fees. The main cost is the 0.35% management fee for balances over $25,000. Fidelity Go uses Fidelity Flex mutual funds that carry zero expense ratios, so there’s no second layer of fund costs — unlike most other robo-advisors that use ETFs with their own fees on top of the management fee.
What happens if my balance drops below $25,000?
If your balance falls back below $25,000, the management fee stops. You return to the free tier automatically. The fee only applies while your balance is above the threshold.
Is Fidelity Go worth it if I already have a Fidelity brokerage account?
It can be, particularly for a retirement account you want on autopilot. The integration with Fidelity’s existing tools and dashboard is seamless, and having your investments consolidated in one place simplifies everything from annual tax prep to overall net worth tracking. The main thing you’d be giving up versus managing your own index fund portfolio is flexibility and control — but for many people, that tradeoff is exactly the point.
How does Fidelity Go make money if under $25K accounts are free?
Fidelity likely subsidizes the free tier through its other business lines — brokerage commissions, proprietary fund fees on other products, banking services, and so on. The free tier is essentially a customer acquisition strategy: get you in the door, and if your balance grows past $25K, the advisory fee kicks in.
Verdict
Fidelity Go is one of the more transparent robo-advisors when it comes to pricing. The free tier under $25,000 is legitimately useful for new investors, and the 0.35% fee above that includes advisor access, which most competitors charge extra for or don’t offer at all.
The main gap is tax-loss harvesting. If you’re investing in a taxable account and your balance is large enough that tax efficiency matters, competitors like Wealthfront (0.25% with tax-loss harvesting) likely offer better after-tax value despite the lower headline fee.
For Fidelity loyalists, IRA investors, or anyone who wants a hands-off portfolio without paying 1%+ to a human advisor, Fidelity Go is a solid and fairly priced option in 2026.