You want to retire at 50. eMoney is the platform many US advisers use. Delphina plans early retirement for UK individuals. Here is the difference.
eMoney Advisor does not surface a FIRE number or a retirement date to clients. It is a B2B platform. The FIRE planning question is not what eMoney answers directly. Your adviser, if you have one, would do the retirement modelling on eMoney and use it for the cash flow scenarios.
Delphina gives you the FIRE number, the date, and the levers that move the date. If FIRE is the goal, the planning is in Delphina.
eMoney's Monte Carlo simulations are well respected. For a US saver close to retirement, having an adviser run eMoney scenarios against different withdrawal strategies, market crashes, and healthcare cost inflation gives you a probability-based view that is hard to replicate.
The catch is the fee and the read-only nature. 0.5-1% of assets per year for the adviser, and you do not control the assumptions. The platform's depth comes at the cost of personal agency.
Delphina gives UK FIRE savers the date and the levers. A saver with £220,000 across pensions and ISAs, spending £3,000 a month and saving £2,400 a month, gets a specific projection: at a 5% real return and the current savings rate, you reach 25x your spending at age 49 and 5 months. State Pension income from 67 reduces the required portfolio by around £314,000.
Delphina also shows what moves the date. Increasing your SIPP contribution by £300 a month brings retirement forward by 8 months. Reducing monthly eating out by £150 adds 3 months. You can adjust the levers and watch the projection update in real time.
Add up your real annual spending for the last 12 months from your bank statements and multiply by 25. That is your FIRE number today. Connect Delphina this week to get the date.