The five year number
Five years of A Few Quid comes to £184.95. Figures assume the single £36.99 annual plan at today's price with no increases. There is no free tier to fall back to, so the running cost is the same in every year. Verified 4 August 2026.
Year by year
| Time held | A Few Quid | Delphina |
|---|---|---|
| After 1 year | A Few Quid£36.99 | Delphina£119.88 |
| After 3 years | A Few Quid£110.97 | Delphina£359.64 |
| After 5 years | A Few Quid£184.95 | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Figures assume the single £36.99 annual plan at today's price with no increases. There is no free tier to fall back to, so the running cost is the same in every year.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: Annual billing only, so the smallest commitment is a full year rather than a month
- Hidden cost: Your own time: with no account linking, keeping the projection honest means re-entering balances and contributions by hand
- Hidden cost: The listed price is what A Few Quid charges today; nothing on the pricing page promises it is held at renewal
Figures based on A Few Quid’s published prices(opens in a new tab), checked 4 August 2026.
What you are paying for
For uk savers who are happy to type their own numbers in and want a cheap, uk-tax-aware projection engine rather than a connected picture of their money, that is a fair price. Built for UK rules from the ground up: income tax bands, NI, CGT, dividend allowance, ISA and SIPP wrappers and the state pension. Natural-language scenario setup, so "what if I retire at 55?" builds the projection rather than asking you to fill in a form.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see A Few Quid pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
A Few Quid is the closest thing to Delphina in the UK market and it is honest about what it is: a very good projection engine you drive yourself. The gap is the live half. Delphina connects your accounts, so the plan updates as your money moves and tells you whether you are actually on track, rather than replaying the numbers you last typed in. Delphina also has a free tier, so you can see your own picture before paying anything.
More on A Few Quid
A Few Quid: common questions
It is worth it for uk savers who are happy to type their own numbers in and want a cheap, uk-tax-aware projection engine rather than a connected picture of their money. It is a poor buy for anyone who needs no open banking or account linking: every balance, contribution and salary is typed in by hand and re-typed whenever it changes, because that is not what it is built to do.
3 things are not on the pricing page: annual billing only, so the smallest commitment is a full year rather than a month; your own time: with no account linking, keeping the projection honest means re-entering balances and contributions by hand; the listed price is what a few quid charges today; nothing on the pricing page promises it is held at renewal.
There is a 60-day money-back guarantee instead, described as no questions asked, and the subscription can be cancelled at any time through Stripe. That is a refund after paying rather than a trial before paying, so the card is charged for the full year first. Demo data on the site lets you look around the product before you buy, but not on your own numbers.
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.