Typed-in projections vs connected planning
Most of the tools on this site are American, or are budgeting apps wearing a planning badge. A Few Quid is neither. It is UK-built, it models income tax bands, National Insurance, capital gains, ISAs, SIPPs and the state pension properly, and it costs £36.99 a year. If you were looking for a UK planning tool that isn't a US import, it is a genuinely reasonable answer.
So this page is about a narrower difference than usual. Both products project your money forward under UK rules. The split is where the numbers come from: A Few Quid is a tool you type your position into, and Delphina brings together your accounts so the plan updates as your money actually moves.
The modelling overlaps a lot. The difference sits either side of it: getting your data in, and knowing whether you stuck to the plan afterwards.
| Feature | A Few Quid | Delphina |
|---|---|---|
| Built for UK tax, ISAs and pensions | ✓ | ✓ |
| Long-range retirement projection | ✓ | ✓ |
| Scenario planning (what if I…) | ✓ | ✓ |
| Natural-language scenario setup | ✓ | ✓ |
| Household / partner modelling | ✓ | ✓ |
| Buy-to-let modelled inside the long-range projection | ✓ | ✗ |
| Stamp duty and rent-vs-buy modelling | ✓ | ✓ |
| Open banking account linking | ✗ | ✓ |
| Net worth tracked automatically | ✗ | ✓ |
| Verdict on whether you are on track | ✗ | ✓ |
| Spending and cashflow from real transactions | ✗ | ✓ |
| Mobile app | ✗ | ✓ |
| Free tier you can use on your own numbers | ✗ | ✓ |
| Monthly billing option | ✗ | ✓ |
| Annual Cost | £36.99/year, billed annually | Free, then £9.99–£19.99/month |
The UK tax modelling is the real thing, not a US engine with the currency symbol swapped. Salary sacrifice against an ISA, the £100k personal allowance taper, the gap between 55 and the state pension age. These are modelled because someone built the product for this country rather than adapting it. The property side is better than the price suggests, and folding Section 24 versus a limited company into a 25-year projection is more than most consumer tools attempt at all. Delphina covers that ground with dedicated landlord tools rather than inside the main projection.
What it deliberately doesn't do is connect to your money. Nothing is linked, so the projection reflects whatever you last typed in. That is fine on the day you build it and less useful eighteen months later, when the pension has moved, the mortgage has moved and the plan hasn't. It also means there is no honest answer to "did I stick to it?", because the tool never saw what you actually spent.
If you want a one-off model of a decision and you enjoy driving it yourself, £36.99 a year is good value. If you want the plan to stay true without you maintaining it, that is the job Delphina is built for.
A Few Quid is cheaper than Delphina's paid plans, and we are not going to pretend otherwise: £36.99 once a year against free, then £9.99–£19.99/month. There is no free tier and no free trial, so trying it on your own numbers means paying for the year first, backed by a 60-day money-back guarantee. Delphina has a free tier, so you can add your accounts and see your position before deciding whether the paid plans are worth it.
Neither product is FCA authorised and neither gives regulated advice. A Few Quid states this on its own pricing page, which is more than a lot of this category does.
Pricing checked against afewquid.com/pricing on 4 August 2026.
Same UK rules, same long-range projections. Built from your actual accounts, so it is still right in a year's time. Free to start.
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