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Custom Google Sheets vs Delphina for FIRE Tracking

Comprehensive comparison for Financial Independence, Retire Early tracking and wealth building.

FIRE Tracking Features

Custom Google Sheets

Real-time collaboration
Accessible anywhere
No FIRE calculator
No retirement age projection
Manual data entry required

Delphina

Advanced FIRE calculator
Retirement age projection
Safe withdrawal rate tracking
FIRE progress visualization
30-year cash flow forecasting

FIRE Tracking Capabilities

FIRE Calculator & Projections

Custom Google Sheets

No dedicated FIRE calculator. Manual calculations with spreadsheet formulas but without comprehensive FIRE number calculations or retirement age projections.

Delphina

Advanced FIRE calculator with multiple FIRE types (Lean, Traditional, Fat), retirement age projections, and comprehensive FIRE number calculations.

Retirement Planning & Projections

Custom Google Sheets

Manual retirement planning with spreadsheet calculations. Limited to manual projections without comprehensive early retirement analysis or detailed income planning.

Delphina

Comprehensive retirement planning with early retirement projections, pension analysis, state pension forecasting, and detailed income planning.

Investment & Wealth Tracking

Custom Google Sheets

Manual investment tracking with spreadsheet calculations. Limited to manual portfolio analysis without comprehensive wealth accumulation projections for FIRE goals.

Delphina

Advanced investment tracking with portfolio optimisation, wealth accumulation projections, and investment strategy recommendations for FIRE goals.

FIRE Progress & Milestones

Custom Google Sheets

No FIRE progress tracking or milestone celebrations. Manual tracking of journey to financial independence without comprehensive progress visualization.

Delphina

Comprehensive FIRE progress tracking with milestone celebrations, progress visualization, and detailed analysis of your journey to financial independence.

Collaboration & Automation

Custom Google Sheets

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

Delphina

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

UK FIRE Features

Custom Google Sheets

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

Delphina

  • • UK FIRE calculator
  • • Pension optimisation strategies
  • • UK tax-efficient FIRE planning
  • • ISA and LISA guidance
  • • UK regulatory compliance

Choose Your FIRE Tracking Tool

Choose Custom Google Sheets if you:

  • • Need real-time collaboration
  • • Want accessibility anywhere
  • • Prefer familiar interface
  • • Don't need FIRE-specific tools
  • • Have advanced spreadsheet skills

Choose Delphina if you:

  • • Need comprehensive FIRE tracking
  • • Want FIRE calculator tools
  • • Plan for early retirement
  • • Need UK-specific FIRE features
  • • Want automated data sync

Ready to track your FIRE journey?

Experience Delphina's comprehensive FIRE tracking tools with UK-specific features and advanced retirement planning.

Start FIRE TrackingExplore FIRE Tools
FIRE Movement Guide•Early Retirement Guide•Financial Independence

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