Best Financial Planning Platform UK 2024
Compare Delphina vs Moneyhub vs Plum vs Nutmeg for comprehensive UK financial planning
Top Choice: Delphina
Most comprehensive platform with AI-powered insights, UK tax planning, and integrated budgeting, investing, and retirement planning
| Feature | Delphina | Moneyhub | Plum | Nutmeg |
|---|---|---|---|---|
| Monthly Price | £4.99 | £14.99 | Free | 0.75-0.95% |
| AI Insights | ||||
| UK Tax Planning | ||||
| Budgeting Tools | ||||
| Investment Platform | ||||
| Retirement Planning |
Delphina: Most Comprehensive Platform
Why Choose Delphina
- All-in-One Platform: Budgeting, investing, retirement, tax planning in one place
- AI-Powered Insights: Personalized recommendations and financial forecasts
- UK-Specific Features: HMRC integration, UK tax optimization, regional data
- Competitive Pricing: £4.99/month for comprehensive features
Considerations
- Newer Platform: Launched in 2024, less established than competitors
- Learning Curve: Advanced features may require setup time
- No Human Advisors: Digital-only platform (though this keeps costs low)
Moneyhub: Premium Professional Platform
Why Choose Moneyhub
- Professional Grade: Used by financial advisors and wealth managers
- UK Focus: Designed specifically for UK market and regulations
- Comprehensive Tools: Budgeting, investing, pensions, insurance
- API Access: Available for integration with other services
Major Drawbacks
- Expensive: £14.99/month (3x Delphina's price)
- Complex Interface: Designed for professionals, not casual users
- No AI Features: Traditional planning without smart insights
Plum: Best Free Budgeting App
Why Choose Plum
- Completely Free: Core features available at no cost
- Automated Savings: AI-powered saving rules and insights
- UK-Based: Designed specifically for UK users
- Investment Options: Plum Plus offers ISA and investment accounts
Limitations
- Basic Planning: Limited advanced financial planning features
- No Tax Planning: Lacks comprehensive UK tax optimization
- Limited Retirement Tools: Basic pension tracking only
Nutmeg: Best Investment Platform
Why Choose Nutmeg
- Investment Focus: Robo-advisor with diversified portfolios
- Low Fees: 0.75-0.95% annual management fees
- ISA Options: Stocks & Shares ISA, Lifetime ISA, Junior ISA
- Ethical Options: ESG and socially responsible portfolios
Investment-Only Focus
- No Budgeting: Focuses only on investments, not financial planning
- Limited Planning: Basic goal setting only
- No Tax Tools: No UK tax planning features
Which Platform is Right for You?
Choose Delphina If:
- • You want comprehensive financial planning in one platform
- • You need UK-specific tax planning and HMRC features
- • You want AI-powered insights and recommendations
- • You want budgeting, investing, and retirement planning together
- • You want the best value for comprehensive features
Choose Moneyhub If:
- • You're a financial professional or advisor
- • You need API access for integration
- • Budget is not a concern (£14.99/month)
- • You prefer a traditional, established platform
- • You need professional-grade reporting tools
Choose Plum If:
- • You want a free budgeting and savings app
- • You're focused on automated savings rules
- • You don't need advanced financial planning
- • You want simple, user-friendly interface
- • You're just starting with financial planning
Choose Nutmeg If:
- • You're primarily focused on investing
- • You want a robo-advisor for portfolio management
- • You need ISA options for tax-efficient investing
- • You want low-cost, diversified portfolios
- • You don't need comprehensive budgeting tools
Final Recommendation
Delphina Wins for Most UK Users
Delphina offers the best combination of comprehensive features, UK-specific tools, AI insights, and competitive pricing. For £4.99/month, you get everything that costs £14.99+ on other platforms, plus unique AI-powered recommendations.
Best Overall
Delphina
Best for Professionals
Moneyhub
Best Free Option
Plum
Ready to Transform Your Financial Planning?
Start with Delphina's comprehensive platform and see why UK users choose us for complete financial planning.