You want to retire at 50. You have £220,000 across pensions and ISAs and you save £2,400 a month. Chime will not tell you when. Delphina will. Here is the difference.
Chime has no FIRE number, no retirement projection, and no drawdown modelling. It is a banking app, not a planning tool. Chime Investing lets you buy US-listed ETFs through a brokerage interface, but it does not run any scenario modelling for early retirement.
Delphina calculates your FIRE number as 25 times your real annual spending. State Pension income from 67 is built in as a deduction. The platform projects forward using your actual savings rate and expected returns on a UK asset mix, then gives you a date.
Chime Investing is a simple US brokerage with no account minimums and no trading fees on US-listed ETFs. For a US FIRE saver who wants to drip-feed into VOO or similar broad-market ETFs, Chime Investing handles the execution cheaply.
Chime also offers automatic savings rules. You can round up purchases and move the round-up into a savings account, or set a percentage of each paycheque to land in savings. For US savers, this is a useful behavioural nudge that a FIRE-focused tool might not have built in.
Delphina gives UK FIRE savers a date they can act on. A saver with £220,000 across pensions and ISAs, spending £3,000 a month and saving £2,400 a month, gets a specific projection: at a 5% real return and the current savings rate, you reach 25x your spending at age 49 and 5 months. State Pension income from 67 reduces the required portfolio by around £314,000, which moves the date earlier.
Delphina also shows what moves the date. Increasing your SIPP contribution by £300 a month brings retirement forward by 8 months. Reducing monthly eating out by £150 adds 3 months. You can adjust the levers and watch the projection update. Chime Investing executes trades. Delphina plans the path.
Add up your real annual spending for the last 12 months from your bank statements and multiply by 25. That is your FIRE number today, with no app. Connect Delphina this week to get the date, and to see exactly which lever moves it fastest.