5 alternatives to Quartz (myquartz.ai) UK 2026
Quartz launched to the UK market on 16 September 2026. Here is what it does well, what it leaves out, and the alternatives worth considering.
A Practitioner Perspective
Quartz is a new UK wealth app that pulls your accounts together through Open Banking and adds Charlie, an AI assistant that explains your returns, fees and allocation. It is well built for what it does. Whether it is right for you depends on which question you are trying to answer about your money.
Summary: Top 5 Quartz Alternatives in the UK
| Tool | Best For | Pricing | Free Tier | UK-Specific | Rating |
|---|---|---|---|---|---|
| Delphina | Forward-looking financial clarity and retirement planning | Free / From £9.99/mo | ✓ | ✓ | ★★★★★ |
| Kubera | Net worth tracking across many account types, crypto and property | $250/yr (billed in USD) | ✗ | ✗ | ★★★★★ |
| getquin | Investors tracking several brokers who want a free tier | Free / paid from €89.99/yr | ✓ | ✗ | ★★★★★ |
| PocketSmith | Long-horizon cash flow forecasting | Free / paid from £9.99/mo | ✓ | ✗ | ★★★★★ |
| Emma | Transaction tracking and subscription management | Free / paid from £4.99/mo | ✓ | ✓ | ★★★★★ |
Quartz shows how your wealth is doing. Delphina shows where it is heading.
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What Makes a Good Quartz Alternative for UK Users
Quartz connects your current accounts, savings, ISAs, pensions, investment platforms and crypto through Open Banking, works out your true returns after fees, and lets you ask Charlie about them. It costs £16.99 a month or £169.99 a year after a 14-day free trial, with no free plan. Here is what to look for in an alternative.
- Forward-looking analysis: Quartz shows you how your wealth is performing now. At the time of writing it does not advertise forecasts or scenarios, so look for a tool that shows where you are heading
- UK financial products: The tool should handle UK pensions, ISAs, workplace pensions, and state pension, not just current accounts
- Long-term projections: Knowing what your pension returned last year is useful. Knowing whether your wealth will last 30 years is what lets you act
- Clear verdict: Do not just show data. Tell the user whether they are on track and what to do next
- FCA status: If a tool connects through Open Banking, check it is FCA-registered as an account information service provider, as Quartz is
The 5 Best Quartz Alternatives for UK Users
Delphina
Try Delphina free →Know where you are. Change where you are going.
Delphina is built for UK users who want to understand where their finances are actually headed. You add your accounts, pensions, investments and property yourself, and Delphina projects your cash flow up to 30 years ahead with UK pensions, ISAs and tax built in. Where Quartz shows you how your wealth is performing today, Delphina shows you where it is heading, so you can make changes now.
See why the verdict matters more than the number
Compare a retirement number against your actual trajectory: what you have, what you're saving, what you owe.
See your verdictKubera
Visit Kubera →One honest total for scattered wealth
Kubera is the closest like-for-like alternative to Quartz: a flat-fee net worth tracker for people whose wealth is spread across banks, brokerages, crypto and property. Asset coverage is unusually broad. The trade-offs are that there is no free tier, it bills in US dollars so a UK card pays an FX fee, and it is not built around UK wrappers like ISAs and SIPPs.
getquin
Visit getquin →Portfolio tracking with a community
getquin is a European portfolio tracker with a genuinely generous free plan that includes unlimited bank and broker connections. Its analytics cover allocation, performance attribution and dividend forecasting. If Quartz appeals for its investment analysis but not its price, getquin is worth a look. It is priced in euros and built around European brokers, so UK ISA and SIPP wrappers are not modelled as wrappers.
PocketSmith
Visit PocketSmith →Calendar-based cash flow forecasting
PocketSmith is a New Zealand-founded tool with UK bank feeds and sterling pricing, known for calendar-based cash flow forecasting. Its top tier projects up to 60 years ahead. Where Quartz focuses on the wealth you hold today, PocketSmith focuses on how your balances will move over time.
Emma
Visit Emma →Smart money management
Emma is one of the most widely used Open Banking apps in the UK, with a strong reputation for transaction categorisation and finding forgotten subscriptions. Quartz describes its focus as your wealth as a whole rather than day-to-day spending, so if spending is what you actually want to get on top of, Emma covers the ground Quartz deliberately leaves out.
The Key Differentiator: How It Is Doing vs Where It Is Heading
Quartz is a wealth tracker. It connects to your accounts, imports your full transaction history and works out what your investments have really returned after fees, currency and inflation. Charlie then explains what is driving the numbers. That is genuinely useful, and fee drag in particular is something most people never see.
But the question that actually matters for your future is not how your portfolio did last year. It is whether your current trajectory will deliver the life you want.
That requires a forward-looking projection that shows your wealth over 10, 20, 30 years. That is what Delphina does. It takes your UK financial picture, every pension, ISA, investment, property and debt, and shows you where you are headed, whether you are on track, and what changes the outcome.
Think of it this way: Quartz tells you how your wealth is doing. Delphina tells you where it is going, and whether you will get there in time.
Who Delphina Is Not For
Delphina is not a daily transaction tracker. If your primary need is to see every transaction, manage subscriptions, and track daily spending in granular detail, a tool like Emma is better suited to that purpose. If you mainly want a live, automatically connected view of investment performance and fees, Quartz or Kubera will suit you better.
Delphina is not a budgeting tool in the traditional sense. It does not ask you to allocate every pound to a category before you spend it. Instead, it shows you your complete financial picture and tells you whether your current trajectory will deliver the future you want.
Delphina is not an FCA-regulated financial advice service. It provides tools and projections to help you understand your financial position, but it does not provide personalised financial advice.
If you want to know whether your wealth will last, whether you are saving enough, and what your financial future actually looks like across all your accounts and assets in the UK, that is what Delphina is for.
Conclusion
Quartz is a well-built wealth tracker with a useful AI assistant, aimed at people with money spread across several platforms. At £16.99 a month with no free plan, it is also one of the pricier options in the UK.
If you want the same kind of multi-platform net worth view, Kubera is the closest like-for-like option, and getquin does portfolio tracking with a free tier. For long-horizon cash flow forecasting, PocketSmith projects up to 60 years ahead on its top tier. For spending and subscriptions, Emma has a long UK track record.
But if your question is not "how is my money doing?" but "will my wealth last?", you need a forward-looking tool that shows you where you are headed and whether you are on track. That is what Delphina is built for. For a detailed side-by-side, read our full Quartz vs Delphina comparison.
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Quartz shows you how your wealth is doing. Delphina shows you where it is going.
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