What ChatGPT costs
ChatGPT charges £7 per month, rising to From £89 per month on the top tier. There is a free tier below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Free | Price£0per month | Included
| Not included
|
| Go | Price£7per month | Included
| Not included
|
| Plus | Price£20per month | Included
| Not included
|
| Pro | PriceFrom £89per month | Included
| Not included
|
- Free tier: yes. The free tier is permanent rather than a trial, so you can test whether it answers your planning questions before paying anything.
Prices taken from ChatGPT’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Free at £0 per month is the tier that covers limited access to the standard model.
- Go at £7 per month is the tier that covers more messages, uploads and longer memory than free.
- Plus at £20 per month is the tier that covers advanced reasoning models.
- Pro at From £89 per month is the tier that covers everything in plus.
ChatGPT suits understanding concepts, drafting questions for an adviser, and sense-checking your own thinking, so that is the lens to pick a tier through.
What the price does not cover
- The free tier is permanent rather than a trial, so you can test whether it answers your planning questions before paying anything.
- Access to your bank or pension accounts
- Any UK tax calculation applied to your real balances
- The advanced reasoning models
- OpenAI notes this plan may include ads
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs ChatGPT.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
ChatGPT is a better explainer than any planning tool, and if you are trying to understand what a SIPP is, it is a reasonable place to start. It cannot see your accounts, does not apply UK tax rules to your real numbers, and is not regulated. Delphina connects your accounts through Open Banking, applies ISA and UK pension rules to the actual balances, and keeps the forecast current, from Free through Wealth Builder at £9.99 a month to Investor at £19.99 a month.
More on ChatGPT
ChatGPT: common questions
ChatGPT costs £7 per month. Prices were checked on 21 July 2026.
Yes. The free tier is permanent rather than a trial, so you can test whether it answers your planning questions before paying anything. The paid tiers add the features listed above.
The decision-relevant difference is that Go adds more messages, uploads and longer memory than free. Free covers limited access to the standard model.
There are cheaper tools in the ai category, though most trade away something ChatGPT does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job ChatGPT does for understanding concepts, drafting questions for an adviser, and sense-checking your own thinking.