You opened Dynamic Planner through your adviser's portal, ran the cash flow model, and got a 40-page report. Useful, but you did not drive any of it. Delphina gives you the same kind of projection, and you control the inputs. Here is the honest difference.
Dynamic Planner is a UK cash flow modelling platform used by financial advisers. The platform handles lifetime cash flow projections, tax-efficient drawdown sequencing, and client report generation. As an individual, you cannot open a Dynamic Planner account directly. You would need to be a client of a Dynamic Planner-using adviser.
Delphina is built for the individual. You open an account, add your UK accounts, and see your full picture plus a UK-specific retirement projection on day one. You drive the inputs.
Dynamic Planner's cash flow modelling is well regarded among UK IFAs. The platform handles complex situations with multiple income sources, drawdown phases, and inheritance tax planning. For advisers managing clients with these situations, Dynamic Planner gives the depth needed.
The platform produces detailed client reports that advisers use directly at annual reviews.
Delphina is built for the individual. You see the plan, you adjust the inputs, you watch the projection move. There is no adviser in the middle. The 0.5-1% ongoing fee that comes with a Dynamic Planner-using adviser does not apply to Delphina's self-service tier.
Delphina also gives you the daily money visibility that a B2B platform does not. Your budget, your spending against caps, your monthly action list, and the link between daily money and long-term planning all sit in Delphina.
| Feature | Dynamic Planner | Delphina |
|---|---|---|
| Lifetime cash flow modelling for advisers | ✓ | ✗ |
| Long-term UK retirement forecasting | ✓ | ✓ |
| UK State Pension forecast | ✓ | ✓ |
| FIRE number and date projection | ✗ | ✓ |
| Goal-based monthly action list | ✗ | ✓ |
| Daily UK-specific category caps | ✗ | ✓ |
| Plan updates automatically as life changes | ✗ | ✓ |
| You control the inputs directly | ✗ | ✓ |
| Ongoing adviser support | ✓ | ✗ |
| Annual Cost | Included in adviser fee (typically 0.5-1%/year) | Free tier available |
Connect your main UK current account to Delphina this week. Within 15 minutes you will have a specific UK picture plus a retirement projection with one monthly action. Compare that with what your adviser shows you at the next review.