Fate is about the present, where every decision an individual has made has led them to their present scenario. However, Destiny is the future scenario, which cannot be determined by decisions an individual will make.
Alphonse Mucha's painting of Fate.
For Arthur Schopenhauer, destiny was just a manifestation of the Will to Live, which can be at the same time living fate and choice of overrunning fate, by means of the Art, of the Morality and of the Ascesis.
For Friedrich Nietzsche, destiny keeps the form of Amor fati (Love of Fate) through the important element of Nietzsche's philosophy, the "will to power" (der Wille zur Macht), the basis of human behavior, influenced by the Will to Live of Schopenhauer. But this concept may have even other senses, although he, in various places, saw the will to power as a strong element for adaptation or survival in a better way. Nietzsche eventually transformed the idea of matter as centers of force into matter as centers of will to power as humanity's destiny to face with amor fati. The expression Amor fati is used repeatedly by Nietzsche as acceptation-choice of the fate, but in such way it becomes even another thing, precisely a "choice" destiny.
