Need comprehensive planning beyond basic budgeting? Want intelligent guidance your money app can't provide? You're not alone. You are not alone - thousands are switching to smarter financial planning.
Emma offers basic expense tracking but no comprehensive financial planning or wealth building tools.
Focuses on spending with no investment portfolio management or retirement planning capabilities.
No 30-year forecasting or comprehensive wealth planning. You're budgeting without building long-term wealth.
Can't test "what-if" scenarios or model different financial futures. You're planning blind.
No AI-powered insights or recommendations to help you make better financial decisions.
Limited support for UK-specific financial products like pensions and ISAs.
| Feature | Emma | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✓ | ✓ |
| Investment Tracking | ✗ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| Budgeting & Expense Tracking | ✓ | ✓ |
| Retirement Planning | ✗ | ✓ |
| Net Worth Tracking | ✗ | ✓ |
| FIRE Calculations | ✗ | ✓ |
| UK ISA Support | ✗ | ✓ |
Compare comprehensive financial planning capabilities, retirement planning, and investment strategies.
Compare AI-powered budgeting, predictive insights, and advanced expense management.
Compare FIRE number calculators, early retirement planning, and withdrawal strategies.
Basic spending predictions and bill reminders. Limited to short-term budget tracking without long-term financial forecasting.
Future-ready planning with 30-year cash flow projections, scenario planning, and advanced forecasting for comprehensive wealth building.
Focuses on expense categorisation and bill tracking. Limited budget oversight without comprehensive financial integration.
Complete financial visibility across all accounts, investments, and financial goals. Comprehensive view of your entire financial life.
Basic budget alerts and spending notifications. Limited personalisation without comprehensive financial guidance.
Sophisticated personalised guidance that adapts to your unique financial situation, goals, and life circumstances for optimal decision-making.
Standard security protocols but data may be used for product recommendations and third-party financial services.
Bank-level encryption with complete data privacy. Your financial information is used only to provide personalised guidance, never for marketing.
Join Delphina and experience intelligent financial guidance with future-ready planning and complete financial visibility.
Get Started FreeCompare Monese's digital banking features with Delphina's comprehensive personalised financial guidance and advanced foresight.
Compare Money Dashboard's net worth tracking with Delphina's personalised financial guidance and comprehensive planning features.
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.