The five year number
Five years of Dynamic Planner comes to £10,870 excluding VAT for one Review Plus seat. Figures are for a single Review Plus adviser seat at the published list price, excluding VAT, with no increases. Verified 21 July 2026.
Year by year
| Time held | Dynamic Planner | Delphina |
|---|---|---|
| After 1 year | Dynamic Planner£2,278 excluding VAT for one Review Plus seat: £2,148 of subscription plus the £130 setup fee | Delphina£119.88 |
| After 3 years | Dynamic Planner£6,574 excluding VAT for one Review Plus seat | Delphina£359.64 |
| After 5 years | Dynamic Planner£10,870 excluding VAT for one Review Plus seat | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Figures are for a single Review Plus adviser seat at the published list price, excluding VAT, with no increases.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: VAT on every figure, which Dynamic Planner states is excluded from the published prices
- Hidden cost: A £130 per adviser setup fee on the Review and Review Plus tiers
- Hidden cost: Cashflow planning is only on Review Plus, so the cheaper tiers do not do the job you probably came for
- Hidden cost: Tram client app licences at £8 per client per year if you want a client-facing view
- Hidden cost: Training time before a new adviser is productive in the system
Figures based on Dynamic Planner’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For uk advice firms that want risk profiling, suitability and cashflow in one system, that is a fair price. Risk profiling is its strongest suit, and it is deeply embedded in UK advice processes. Covers the regulated workflow end to end: fact find, profiling, suitability and review.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Dynamic Planner pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Dynamic Planner is built for a regulated advice workflow and does risk profiling better than any consumer tool needs to. If you run an advice firm, the comparable Delphina product is Advisory Studio at £499 a year per seat, not the consumer tiers. If you are planning for yourself, this was never sold to you, and Delphina's Free, £9.99 and £19.99 a month tiers cover ISAs, UK pensions, UK tax and Open Banking directly.
More on Dynamic Planner
Dynamic Planner: common questions
It is worth it for uk advice firms that want risk profiling, suitability and cashflow in one system. It is a poor buy for anyone who needs licensed per adviser seat, so it is not sold to individuals planning their own finances, because that is not what it is built to do.
5 things are not on the pricing page: vat on every figure, which dynamic planner states is excluded from the published prices; a £130 per adviser setup fee on the review and review plus tiers; cashflow planning is only on review plus, so the cheaper tiers do not do the job you probably came for; tram client app licences at £8 per client per year if you want a client-facing view; training time before a new adviser is productive in the system.
Dynamic Planner states that all prices are subject to VAT, so the amount a firm actually pays is higher than the headline figure. Any pound figure is an approximation at the exchange rate on the day, and that rate moves, so treat it as a guide rather than a fixed price.
25% off the Profiling tier, listed at £60 a month against a stated £80, via promo billing. Shown on Dynamic Planner's own pricing page for the Profiling plan for firms of one to ten advisers. No code is needed and no end date is published, so treat it as a listed price that could revert..
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.