Frustrated Goodbudget requires manual envelope budgeting with zero long-term financial planning? Paying for basic envelope features ignoring investments? You're not alone - thousands tired of manual processes with no guidance.
Goodbudget requires tedious manual envelope management and tracking, making budget maintenance time-consuming and error-prone.
Goodbudget focuses only on current envelope budgeting with zero capability to forecast your financial future or plan for retirement.
Goodbudget provides basic envelope tracking without any advanced forecasting, scenario planning, or future financial modeling capabilities.
Goodbudget completely ignores investment tracking, leaving you with zero visibility into portfolio performance or wealth-building progress.
Goodbudget offers basic envelope tracking without intelligent financial guidance or personalised recommendations for wealth building.
Goodbudget ignores income optimization, investment growth, and comprehensive financial planning - it's just a sophisticated expense tracker.
| Feature | Goodbudget | Delphina |
|---|---|---|
| Envelope Budgeting | ✓ | ✓ |
| Shared Budgeting | ✓ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Intelligent Financial Guidance | ✗ | ✓ |
| 30-Year Cash Flow Forecasting | ✗ | ✓ |
| Investment Tracking | ✗ | ✓ |
| Automated Insights | ✗ | ✓ |
| Comprehensive Financial Planning | ✗ | ✓ |
| Manual vs Automated | Manual | Automated |
| Annual Cost | Premium subscription | Free tier available |
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.
Traditional envelope budgeting method. Limited to expense allocation without predictive financial forecasting.
Advanced financial foresight with 30-year cash flow projections, scenario planning, and predictive analytics for comprehensive wealth building.
Envelope-based budgeting with shared accounts. Limited budget oversight without comprehensive financial integration.
Complete full picture budgeting across all accounts, investments, and financial goals. Comprehensive view of your entire financial life.
Basic envelope budgeting guidance and expense tracking. 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 for budgeting app. Data may be used for app improvements and third-party 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 FreeDelphina 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.