Overwhelmed by enterprise financial tools? Frustrated by complex interfaces that require financial expertise? You're not alone. You are not alone - thousands are switching to smarter financial planning.
Kualto is designed for businesses and corporate finance teams. Not suitable for individual personal financial planning.
Complex interface that requires financial expertise to use effectively. Too overwhelming for casual personal finance users.
Business pricing model that's completely out of reach for individual users. Not affordable for personal finance management.
Way too much complexity and features for simple personal financial planning. Designed for corporate forecasting, not individuals.
Focuses on business financial modeling, not personal budgeting, expense tracking, or individual wealth management.
No UK-specific features like state pension planning, tax optimisation, or personal retirement projections.
| Feature | Kualto | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✗ | ✓ |
| Budget Management | ✗ | ✓ |
| Investment Tracking | ✗ | ✓ |
| Long-term Planning (30+ years) | ✓ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✓ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| Bank Account Integration | ✗ | ✓ |
| Retirement Planning | ✗ | ✓ |
| Net Worth Tracking | ✗ | ✓ |
| DIY Personal Finance | ✗ | ✓ |
Financial modeling tools and advanced calculations. Limited to professional features without comprehensive personal guidance.
Advanced financial foresight with 30-year cash flow projections, scenario planning, and predictive analytics for comprehensive wealth building.
Professional modeling and calculation tools. Limited budget oversight without comprehensive financial integration for individuals.
Complete full picture budgeting across all accounts, investments, and financial goals. Comprehensive view of your entire financial life.
Advanced calculations and professional features. Limited personalisation without comprehensive individual financial guidance.
Sophisticated personalised guidance that adapts to your unique financial situation, goals, and life circumstances for optimal decision-making.
Professional security protocols for modeling tools. Data may be used for product recommendations 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.