You want to retire at 50. Facet is a US retirement planner. Delphina plans early retirement for UK individuals. Here is the difference.
Facet has a retirement projection, not a FIRE number surfaced to clients. It models when your portfolio can sustain withdrawals, but the FIRE framing, 25x spending, date-based projection, is not what Facet leads with. Facet is a US retirement planning tool with portfolio management. The FIRE question is one it can answer, but not directly.
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.
Facet's portfolio management with tax-loss harvesting is genuinely useful for US FIRE savers with substantial portfolios. The CFP access at $190/month is meaningful at the asset levels where it applies. For a US saver close to retirement, having an adviser run scenarios against different withdrawal strategies and market crashes gives you a probability-based view.
The catch is that Facet's drawdown modelling is US-specific. Roth conversion ladders, Social Security timing, and Medicare premium cliffs are all in the model.
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.