The short version
Wealthify is a cleaner, cheaper way to hold a managed ISA; Plum is better at getting money out of your current account in the first place. Neither connects the saving habit to a long-term forecast.
Why people compare them
People who started saving in Plum often ask whether to move the invested portion to a dedicated robo-adviser.
Price and fit, side by side
| Feature | Plum | Wealthify |
|---|---|---|
| Cheapest paid plan | PlumFree tier, then £3.99 per month | Wealthify0.6% per aum |
| Free tier | PlumYes | WealthifyNo |
| Billed in pounds | PlumYes | WealthifyYes |
| Best for | PlumPeople who want saving to happen automatically without thinking about it | WealthifyUK investors who want someone else to pick and rebalance the funds |
Where Plum wins
- A genuinely free Basic tier that includes automations, a Cash ISA and a Lifetime ISA
- Automated saving rules work well for people who never get round to transferring money manually
- Investment management fees fall as you move up the tiers, from 0.60% on Basic to 0.15% on Max
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
Where both fall short
- Both are built US-first, so UK users pay in dollars and work around US assumptions.
If neither is quite right
If what you actually want is the retirement answer rather than a better dashboard, that is the gap Delphina was built for: UK pensions, ISAs and tax, projected to the age you want to stop. It does not do the job Plum does for people who want saving to happen automatically without thinking about it, so if that is the real problem, Plum is still the better buy. Free plan is £0, no card.
Plum vs Wealthify: common questions
Plum is £3.99 per month 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.
Plum suits people who want saving to happen automatically without thinking about 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.
Plum scores 4.7/5 on Apple App Store (GB) from 70,838 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.
Delphina covers the gap both leave, which is UK pensions, ISAs and tax projected forward to retirement. The trade-off is that it does not do the job Plum does for people who want saving to happen automatically without thinking about it, so if that is the real need, pick one of these two.