Compare Cleo's savings challenges with Delphina's comprehensive FIRE tracking, early retirement calculators, withdrawal strategies, and complete financial independence planning tools.
| Feature | Cleo | Delphina |
|---|---|---|
| Basic Savings Tracking | ✓ | ✓ |
| FIRE Number Calculator | ✗ | ✓ |
| Early Retirement Date Projection | ✗ | ✓ |
| Withdrawal Strategy Planning | ✗ | ✓ |
| Investment Growth Tracking | ✗ | ✓ |
| Safe Withdrawal Rate Analysis | ✗ | ✓ |
| Retirement Income Planning | ✗ | ✓ |
| Scenario Analysis for FIRE | ✗ | ✓ |
| Comprehensive FIRE Roadmap | ✗ | ✓ |
| Annual Cost | £14.99/month | Free tier available |
Offers savings challenges and round-up features but has zero FIRE planning capabilities. No FIRE number calculator, no retirement projections, no withdrawal planning.
Comprehensive FIRE tracking with calculators that determine your FIRE number, project early retirement dates, and create detailed withdrawal strategies for financial independence.
No FIRE number calculator or retirement projections. Cannot determine how much you need for financial independence or when you could retire early.
Advanced FIRE number calculator that considers your expenses, investment returns, inflation, and goals to determine your exact financial independence target.
No withdrawal strategy planning. Cannot help you plan how to access your funds in retirement or optimise tax-efficient withdrawals.
Comprehensive withdrawal strategy planning including safe withdrawal rate analysis, tax optimisation, and sequence of returns risk management for sustainable retirement income.
No investment tracking. Cannot monitor portfolio growth or understand how investments contribute to your FIRE goals.
Full investment tracking integration that monitors portfolio performance, projects growth, and shows exactly how your investments accelerate your path to financial independence.
While Cleo offers basic savings features, Delphina provides comprehensive FIRE tracking with calculators, projections, withdrawal strategies, and investment integration. For users serious about achieving financial independence and early retirement, Delphina offers the essential tools Cleo lacks.
Start Your FIRE Journey with Delphina