Need comprehensive financial planning instead of isolated calculations? Want intelligent guidance your calculator can't provide? You're not alone. You are not alone - thousands are switching to smarter financial planning.
Ficalc offers standalone calculators that don't connect to your actual financial data. You're manually entering numbers without real planning integration.
Calculations in isolation don't reflect your complete financial situation. No integration with bank accounts, investments, or real-time data.
Can't test "what-if" scenarios or model different financial futures. You're planning blind without understanding the impact of your decisions.
No persistent data or account integration. You re-enter the same information every time you want to calculate something.
Just gives you numbers without context or recommendations. No AI insights to help you make better financial decisions.
Basic compound interest and loan calculators. No retirement projections, tax optimization, or comprehensive wealth planning.
| Feature | Ficalc | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✗ | ✓ |
| Investment Tracking | ✗ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| Bank Account Integration | ✗ | ✓ |
| Retirement Planning | ✗ | ✓ |
| Net Worth Tracking | ✗ | ✓ |
| FIRE Calculations | ✗ | ✓ |
| Tax Optimization | ✗ | ✓ |
Basic financial calculators for common calculations like compound interest, loan payments, and basic retirement projections. Limited to standalone calculations.
Advanced calculation engine with comprehensive modeling, scenario analysis, tax implications, and integration with real financial data for accurate planning.
Basic projections with limited variables. Calculations are isolated from actual financial data, reducing accuracy for real-world planning.
Highly accurate planning using real financial data, market conditions, inflation modeling, and comprehensive financial picture integration.
Simple, calculator-like interface focused on individual calculations. Limited guidance or context for users unfamiliar with financial concepts.
Intuitive, guided interface with contextual help, intelligent suggestions, and step-by-step planning processes for all user levels.
Limited to basic calculations without advanced features like scenario planning, risk analysis, or integration with actual financial accounts.
Comprehensive features including scenario planning, risk analysis, Monte Carlo simulations, tax optimization, and automated data integration.
Standalone calculator with no data persistence or integration with actual financial accounts. Manual data entry only.
Full integration with bank accounts, investments, and other financial data. Automatic updates and comprehensive data management.
AI-powered calculations that adapt to your financial situation and goals
Calculations based on actual financial data for maximum accuracy
Sophisticated modeling with scenarios, risk analysis, and optimization
Join thousands of users who've upgraded from basic calculators to comprehensive financial guidance.
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.