The scores
ChatGPT reviews well where it is listed. Apple App Store (UK) has it at 4.8 out of 5 from 1.1 million ratings.
Review scores by platform
Apple App Store (UK)
4.8/ 54.8 out of 5
Based on 1.1 million ratings.
Retrieved 21 July 2026.
Read ChatGPT reviews on Apple App Store (UK)(opens Apple App Store (UK) in a new tab)
Scores are whatever the platform showed on the date given. They move.
What reviewers praise
- The rating above covers the assistant as a whole rather than its use for financial planning specifically
- People consistently rate it highly for explaining unfamiliar concepts in plain language
- The free tier means most people have tried it before they ever consider paying
What reviewers complain about
- For money questions the recurring issue is confident answers that turn out to rest on the wrong assumptions
- No memory of your actual balances between sessions unless you re-enter them
- Answers about UK allowances and thresholds need checking against the current tax year
What reviewers keep asking for
- A connection to real accounts, so the numbers are not typed in from memory
- Current UK tax and allowance rules applied to your own figures
- A plan that persists and updates, rather than an answer that disappears with the chat
- Regulated status, so there is recourse if the answer is wrong
How it compares feature by feature
This page is about what users say. For the feature comparison, see Delphina vs ChatGPT.
What reviewers asked for that is missing
Those requests are roughly what Delphina is for. It is UK-first, so pensions, ISAs and UK tax are the default rather than a workaround, and the projections run to retirement rather than to month end.
It is not a replacement for what ChatGPT is good at, and plenty of people sensibly run both. The free plan is £0, no card.
More on ChatGPT
ChatGPT: common questions
Yes. ChatGPT is an established product in the ai category, with 1.1 million ratings on Apple App Store (UK).
For money questions the recurring issue is confident answers that turn out to rest on the wrong assumptions. No memory of your actual balances between sessions unless you re-enter them. Answers about UK allowances and thresholds need checking against the current tax year.
No. Reviewers raise this directly: a plan that persists and updates, rather than an answer that disappears with the chat. Delphina is built around them, if that is the gap you are trying to close.
Read the volume as well as the score. Apple App Store (UK) shows 1.1 million ratings, and a score built on a small number of reviews moves a long way on a handful of opinions. The same caveat applies to every product in this category, ours included.