Top 5 Financial Guidance Platforms UK 2026
Stop wondering if you are on track. Get financial clarity on where you stand and know what to do next.
CEO & Co-founder at Delphina
Syd got fed up with being kept confused by the UK personal finance industry. So he built the tool he wished existed. Qualified to provide financial advice, prefers to provide financial clarity. No agenda. Just someone who finally got clear and wanted everyone else to be able to too.
A Practitioner Perspective
Financial guidance helps you understand what to do without the regulated advice fees. I tested the platforms that actually deliver.
Summary: Top 5 Financial Guidance Platforms in the UK
| Tool | Best For | Rating |
|---|---|---|
| Delphina | Comprehensive financial clarity and next-step guidance | ★★★★★ |
| Moneyhub | Open Banking-powered financial aggregation and insights | ★★★★★ |
| Neyber | Workplace financial wellbeing programmes | ★★★★★ |
| Wealth Wizards | Employer-backed financial planning tools | ★★★★★ |
| Mona | AI-powered financial guidance and education | ★★★★★ |
What Makes a Good Financial Guidance Platform
Financial guidance is different from financial advice. Guidance helps you understand your options and what others in similar situations have done. Advice recommends a specific course of action based on your circumstances. Here is what to look for in a guidance platform.
- Complete financial picture: The platform should connect to all your accounts, pensions, investments, and property to give you a holistic view of your finances
- Forward-looking projections: Understanding where you are now is valuable, but guidance should show you where you are headed financially over time
- Scenario modelling: The ability to explore different financial decisions and see how they might affect your future, such as increasing pension contributions or changing retirement age
- Actionable next steps: Guidance that helps you understand your options is valuable, but the best platforms also show you what to do next to improve your financial position
- Clear communication: Complex financial concepts explained simply, without jargon or assumptions about your existing knowledge
The 5 Best Financial Guidance Platforms in the UK
Delphina
Visit Delphina→Know where you are. Change where you are going.
Delphina provides guidance that goes beyond understanding your current position. It connects all your accounts, pensions, investments, and property to show you where you are financially today, then projects forward to show you where you are headed. Crucially, it does not stop at showing you the numbers. It identifies the specific changes that would have the biggest impact on your financial future, giving you clear guidance on what to do next.
Moneyhub
Visit Moneyhub→Your financial life, connected
Moneyhub uses Open Banking to connect all your financial accounts in one place, giving you a comprehensive view of your income, spending, and savings. It categorises transactions automatically and provides insights into your spending patterns. The platform is particularly strong for people who want to understand their cash flow and identify areas where they could save more.
Neyber
Visit Neyber→Financial wellbeing for employees
Neyber focuses on financial wellbeing in the workplace, offering employers a platform to help their employees understand their financial position and make better decisions. It provides financial education, guidance on debt management, and tools for understanding savings and retirement options. The platform is primarily accessed through employer-sponsored schemes rather than direct consumer use.
Wealth Wizards
Visit Wealth Wizards→Intelligent financial planning
Wealth Wizards provides financial planning tools that are often offered through employers as part of employee benefits packages. The platform helps employees understand their financial position, model retirement scenarios, and make more informed decisions about pensions and savings. It combines financial education with practical planning tools to help people improve their financial wellbeing.
Mona
Visit Mona→Your AI financial guide
Mona is an AI-powered financial guidance platform that aims to make financial advice more accessible. It provides personalised guidance on budgeting, saving, and financial decision-making using artificial intelligence. The platform focuses on financial education and helping users understand financial concepts alongside providing practical guidance on managing their money.
The Key Distinction: Prospective vs Retrospective Guidance
Most financial guidance platforms are retrospective. They show you where you have been, what you have spent, and how your accounts have changed over time. This is useful for understanding your current habits, but it does not answer the question that matters most for your future.
The question that actually matters is: will my wealth support the life I want?
Guidance platforms help you understand your options. They explain concepts, show your current position, and help you see patterns in your financial behaviour. This is valuable for building financial awareness.
Delphina helps you understand AND shows you what to do next. It takes your complete financial position, projects it forward over 10, 20, and 30 years, and identifies the specific changes that would have the biggest positive impact on your financial future. It answers whether you are on track, what you need to change, and which changes matter most.
Understanding Delphina is Not Financial Advice
Delphina provides guidance, not regulated financial advice. The FCA defines guidance as general information that helps you understand your options, while regulated advice is a personal recommendation based on your specific circumstances.
Delphina helps you understand your financial position, see where you are headed, and identify what changes might help. It does not recommend specific financial products or make a regulated recommendation that you should take a particular course of action.
If you need a regulated financial adviser recommendation based on your full circumstances, you should speak with an FCA-authorised financial adviser.
Conclusion
Financial guidance platforms fill an important gap between raw financial data and expensive regulated advice. They help you understand your current position, explore your options, and see the potential impact of different financial decisions without the cost of a full advice engagement.
Moneyhub, Neyber, Wealth Wizards, and Mona each offer valuable guidance for specific use cases. They help with financial aggregation, workplace wellbeing programmes, employer-backed planning tools, and AI-powered financial education respectively.
Delphina is built for the person who wants more than understanding. It shows you where you stand today, projects where you are headed, and gives you specific guidance on what to do next to change your trajectory. For comprehensive guidance that goes beyond explanation and into actionable next steps, Delphina is the platform designed for exactly that purpose.
Stop Wondering. Start Knowing.
Get clear on where you stand financially and know exactly what to do next.