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Custom Google Sheets vs Delphina for Financial Planning

Comprehensive comparison for long-term financial planning, wealth building, and retirement planning.

Financial Planning Features

Custom Google Sheets

Real-time collaboration
Accessible anywhere
Custom formulas
No 30-year cash flow forecasting
No scenario planning tools

Delphina

30-year cash flow forecasting
Advanced scenario planning
Comprehensive retirement planning
Wealth building strategies
Automated bank sync

Financial Planning Capabilities

Long-term Goal Planning

Custom Google Sheets

Real-time collaboration with custom formulas. Requires building complex financial planning scenarios from scratch without comprehensive wealth building strategies.

Delphina

Comprehensive long-term goal planning with 30-year projections, retirement scenarios, investment planning, and wealth building strategies.

Retirement Planning

Custom Google Sheets

Manual retirement planning with spreadsheet formulas. Limited to manual calculations without comprehensive retirement income analysis or pension optimisation.

Delphina

Advanced retirement planning with detailed pension analysis, state pension forecasting, retirement age scenarios, and comprehensive income planning.

Financial Forecasting

Custom Google Sheets

Manual financial forecasting with spreadsheet formulas. Limited to manual calculations without comprehensive scenario analysis or Monte Carlo simulations.

Delphina

Advanced financial forecasting with 30-year cash flow projections, scenario planning, Monte Carlo simulations, and comprehensive planning integration.

Collaboration & Automation

Custom Google Sheets

Real-time collaboration with manual data entry. Requires constant updates and manual data import without automated financial planning integration.

Delphina

Automated bank sync with real-time data updates, intelligent categorisation, and comprehensive financial planning automation.

UK Financial Planning Features

Custom Google Sheets

  • • Manual UK financial tracking
  • • No UK-specific tax planning
  • • No pension optimisation
  • • No ISA planning tools
  • • Limited UK regulatory features

Delphina

  • • State pension forecasting
  • • ISA and pension optimisation
  • • UK tax planning strategies
  • • Lifetime ISA guidance
  • • UK regulatory compliance

Choose Your Financial Planning Tool

Choose Custom Google Sheets if you:

  • • Need real-time collaboration
  • • Want accessibility anywhere
  • • Prefer familiar interface
  • • Don't mind manual data entry
  • • Have advanced spreadsheet skills

Choose Delphina if you:

  • • Need comprehensive financial planning
  • • Want 30-year cash flow forecasting
  • • Require retirement planning tools
  • • Need UK-specific financial planning
  • • Want automated data sync

Ready for comprehensive financial planning?

Experience Delphina's advanced financial planning tools with 30-year forecasting and UK-specific features.

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