You turned 41 and want to know whether your £148,000 in pensions and £35,000 in ISAs is enough. Chime will not tell you. Delphina will. Here is the difference.
Chime is a banking app. It has no retirement planner, no pension projections, no ISA modelling, and no State Pension forecast. The closest it comes is the optional Chime Investing account, which is a basic US brokerage with no planning features. Chime is built for the daily banking side, not the planning side.
Delphina plans from your daily money through to retirement. UK-specific rules: 25% pension tax-free lump sum, the annual allowance taper from £260,000, ISA subscription limits, and the State Pension forecast through your NI record. The platform reads your real spending from your bank, projects forward, and gives you a date.
Chime is strong on the banking basics that an adviser platform does not need to be: no monthly fees, no minimum balance, fee-free overdraft up to $200, and early direct-deposit access. For US households who want a clean, low-cost banking experience, Chime is a credible choice.
Chime Investing is a basic brokerage for US households who want to put spare cash into US-listed ETFs without an adviser. It does not plan. It executes. That is its job.
Delphina plans from where you actually stand. A 41-year-old with £148,000 in pensions, £35,000 in ISAs, and £1,800 a month going into savings gets a specific projection: their retirement date at their current pace, the gap to the UK moderate retirement number of around £580,000, and the monthly actions that close the gap fastest.
The plan updates automatically as your pay, pension contributions, and spending change. You do not need to enter assumptions manually. Delphina reads them from your real money. Chime, however good at banking, does not attempt any of this.
Pull your State Pension forecast from gov.uk and your most recent pension statement. Connect both to Delphina this week. The 20 minutes of setup gives you a single line showing the gap between your current position and the moderate UK retirement number, and one action to take before the end of the month.