245 Summer Street

Fidelity® Investments

Boston, MA 02210

February 10, 2022

U.S. Securities & Exchange Commission

100 F Street, N.E.

Washington, D.C. 20549

Attention: File Room

RE: Fidelity Charles Street Trust (the trust): File Nos. 002-73133 and 811-03221 Moderate with Income Allocation Fund Balanced Allocation Fund Growth Allocation Fund Aggressive Growth Allocation Fund (the fund(s))

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Ladies and Gentlemen:

Transmitted herewith pursuant to Rule 497(j) under the Securities Act of 1933 is certification that the Prospectus(es) and Statement(s) of Additional Information with respect to the above referenced fund(s) do not differ from those filed in the most recent post-effective amendment, which was filed electronically.

Very truly yours,

/s/Cynthia Lo Bessette

Cynthia Lo Bessette

Secretary of the Trust