Compare Cleo's chat-based budgeting with Delphina's AI-powered comprehensive financial planning that provides 30-year forecasts, scenario analysis, personalised guidance, and integrated wealth-building strategies.
| Feature | Cleo | Delphina |
|---|---|---|
| Basic Budget Tracking | ✓ | ✓ |
| Expense Management | ✓ | ✓ |
| AI-Powered Financial Planning | ✗ | ✓ |
| 30-Year Cash Flow Forecasting | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| Personalized Financial Guidance | ✗ | ✓ |
| Long-term Wealth Building Strategies | ✗ | ✓ |
| Comprehensive Financial Roadmap | ✗ | ✓ |
| Retirement Planning | ✗ | ✓ |
| Annual Cost | £14.99/month | Free tier available |
Focuses on chat-based budgeting and savings challenges without comprehensive financial planning. Limited to short-term goals with no long-term financial modeling.
AI-powered comprehensive financial planning that integrates budgeting with long-term forecasting, wealth-building strategies, and personalised financial guidance for your unique situation.
No long-term financial forecasting or projection capabilities. Cannot model your financial future or understand how current decisions impact retirement goals.
Advanced 30-year cash flow forecasting that helps you understand how your financial decisions today impact your long-term wealth and retirement readiness.
No scenario planning capabilities. Users cannot test different financial strategies, model life events, or understand the impact of major financial decisions.
Comprehensive scenario planning that lets you model different life events, financial decisions, and strategies to find the optimal path to your financial goals.
Cleo Builder costs £14.99/month for chat-based budgeting with limited planning features. No comprehensive financial planning or long-term wealth-building guidance.
Accessible pricing with comprehensive financial planning, AI-powered guidance, and integrated wealth-building strategies that provide superior long-term value.
While Cleo offers chat-based budgeting, Delphina provides AI-powered comprehensive financial planning with 30-year forecasts, scenario analysis, and personalised wealth-building strategies. For users serious about long-term financial success, Delphina offers superior capabilities and value.
Start Financial Planning with Delphina