Spending hours on spreadsheets every month? Worried about calculation errors derailing your financial planning? You're not alone. You are not alone - thousands are switching to smarter financial planning.
Requires spreadsheet expertise to set up properly. Need to be an Excel wizard just to track your finances.
Significant maintenance required every month. Hours spent updating formulas and categories.
Manual calculations can be inaccurate and costly. One wrong formula can derail your entire financial plan.
Everything must be done manually. No automatic transaction import or categorisation.
Basic analysis only. Can't get intelligent insights, scenario modeling, or retirement projections.
Static snapshots only. Can't see your real-time financial position or track changes as they happen.
| Feature | Custom Excel | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✗ | ✓ |
| Budget Management | ✓ | ✓ |
| Investment Tracking | ✓ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| Bank Account Integration | ✗ | ✓ |
| Retirement Planning | ✗ | ✓ |
| Net Worth Tracking | ✓ | ✓ |
| Real-time Updates | ✗ | ✓ |
Manual data entry and formula maintenance. Requires constant updates and manual reconciliation with bank accounts.
Automated bank synchronization with intelligent categorization and real-time updates. AI-powered insights and recommendations.
Basic extrapolation based on manual data entry. Limited scenario testing and what-if analysis capabilities.
Advanced 30-year cash flow forecasting with Monte Carlo simulations and comprehensive scenario planning.
Hours spent on manual data entry, formula debugging, and template maintenance.
Minutes to set up automated bank sync, then ongoing insights with minimal time investment.
Local file storage with risk of data loss, limited backup options, and potential security vulnerabilities.
Bank-level encryption, secure cloud storage, regular backups, and GDPR compliance.
Join Delphina and experience intelligent financial guidance with automated tracking and comprehensive planning.
Delphina provides comprehensive financial planning that goes beyond what most competitors offer - with AI-powered insights and better value.
Delphina offers more features at competitive pricing - giving you better ROI than most alternatives.
Delphina includes 30-year forecasting, retirement planning, and scenario analysis - comprehensive tools for your future.
Delphina combines budgeting, forecasting, goals, and wealth building in one powerful platform.
Delphina is UK-optimised with Open Banking, FCA awareness, and local support.