Compare Cleo's chat-based budgeting with Delphina's AI-powered predictive budgeting, automated categorisation, and intelligent spending insights that help you optimise your finances.
| Feature | Cleo | Delphina |
|---|---|---|
| Basic Budget Tracking | ✓ | ✓ |
| Expense Categorisation | ✓ | ✓ |
| AI-Powered Predictive Budgeting | ✗ | ✓ |
| Automated Spending Insights | ✗ | ✓ |
| Cash Flow Forecasting | ✗ | ✓ |
| Intelligent Transaction Categorisation | ✗ | ✓ |
| Predictive Expense Alerts | ✗ | ✓ |
| Integrated Investment Tracking | ✗ | ✓ |
| Long-term Budget Optimisation | ✗ | ✓ |
| Annual Cost | £14.99/month | Free tier available |
Uses a chat-based interface that can feel gimmicky. Provides basic budgeting through conversational interactions but lacks genuine AI-powered insights and predictive capabilities.
Genuine AI-powered budgeting that learns your spending patterns, predicts future expenses, and provides actionable insights to optimise your financial decisions automatically.
Basic transaction categorisation with manual adjustments needed. Limited automation for complex transactions and spending patterns.
Intelligent automatic categorisation that learns from your behaviour, handles complex transactions, and provides granular spending insights across all categories.
No predictive budgeting capabilities. Limited to current spending tracking without forecasting or predictive expense alerts.
Advanced predictive budgeting that forecasts upcoming expenses, alerts you to potential overspending, and helps you optimise cash flow for long-term goals.
Focuses on small savings challenges and daily budgeting tips. Does not integrate budgeting with investment tracking or long-term wealth building.
Integrates budgeting with comprehensive financial planning, investment tracking, and wealth-building strategies for holistic financial optimisation.
While Cleo offers chat-based budgeting, Delphina provides genuine AI-powered predictive budgeting with automated insights, intelligent categorisation, and integration with comprehensive financial planning. For users seeking intelligent financial management, Delphina offers superior capabilities.
Start Smart Budgeting with Delphina