Verdict at a glance
Pick Nutmeg (now J.P. Morgan Personal Investing) if
Pick Nutmeg (now J.P. Morgan Personal Investing) if you want a managed portfolio run for you and you're happy paying a percentage for it.
How we compared: published fees, account types and review scores for each, verified against the provider’s own price pages.
The short version
Wealthify is generally cheaper at smaller balances; Nutmeg offers more portfolio styles and JPMorgan backing. Both manage money without planning it, so they cannot tell you whether you are saving enough.
Why people compare them
The two best-known UK robo-advisers, compared almost entirely on fees and portfolio choice.
Price and fit, side by side
| Feature | Nutmeg (now J.P. Morgan Personal Investing) | Wealthify |
|---|---|---|
| Cheapest paid plan | Nutmeg (now J.P. Morgan Personal Investing)0.75% a year per aum | Wealthify0.6% per aum |
| Free tier | Nutmeg (now J.P. Morgan Personal Investing)No | WealthifyNo |
| Billed in pounds | Nutmeg (now J.P. Morgan Personal Investing)Yes | WealthifyYes |
| Best for | Nutmeg (now J.P. Morgan Personal Investing)People who want a managed portfolio run for them and are happy to pay a percentage for it | WealthifyUK investors who want someone else to pick and rebalance the funds |
Where Nutmeg (now J.P. Morgan Personal Investing) wins
- Genuinely managed portfolios, so you are buying a decision rather than a dashboard
- The backing of J.P. Morgan, which removes a lot of the platform risk worry
- A clear published fee schedule with no set-up, exit or trading charges
Where Wealthify wins
- Properly UK-focused, with Stocks and Shares ISAs, Junior ISAs and a personal pension
- One simple 0.6% management fee, with no charges for deposits, withdrawals, transfers or closing a plan
- Ethical plan option for people who care where the money goes
Decided? Here’s the next question.
The verdict on the platform is one question. Whether you’re actually saving enough is another, and Delphina answers it from what you already hold and what you pay in each month.
Free. No card required. About two minutes.
Nutmeg (now J.P. Morgan Personal Investing) vs Wealthify: common questions
Nutmeg (now J.P. Morgan Personal Investing) is 0.75% a year per aum and Wealthify is 0.6% per aum. Compare the billing period before the number: an annual price and a monthly price are not the same thing.
You can, and some people do, because they solve different halves of the problem. It does mean paying for both, so add the two annual figures together before deciding.
Judge it on billing currency, Open Banking coverage and whether ISAs and pensions are handled. Check each one against those three points, because a tool that scores well elsewhere can still be a poor fit in the UK.
Nutmeg (now J.P. Morgan Personal Investing) suits people who want a managed portfolio run for them and are happy to pay a percentage for it. Wealthify suits uk investors who want someone else to pick and rebalance the funds. The one that matches how you already think about money will take less setting up.
Nutmeg (now J.P. Morgan Personal Investing) scores 4.8/5 on Apple App Store (GB) from 19,563 ratings. Wealthify scores 8.5/10 on Finder UK from Finder Score, informed by 165 customer reviews. Weigh the volume as well as the score.