245 Summer Street

Fidelity® Investments

Boston, MA 02210

November 30, 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 Aggressive Growth Allocation Fund Balanced Allocation Fund Fidelity Asset Manager 20% Fidelity Asset Manager 30% Fidelity Asset Manager 40% Fidelity Asset Manager 50% Fidelity Asset Manager 60% Fidelity Asset Manager 70% Fidelity Asset Manager 85% Fidelity Health Savings Fund Fidelity Health Savings Index Fund Fidelity Sustainable Multi-Asset Fund Growth Allocation Fund Moderate with Income 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