Your net worth is £640,000 across pensions, ISAs, a property, and £80,000 in crypto. Kubera shows you the total. Delphina tells you what to do with it. Here is the difference.
Kubera is a balance sheet. It shows what you own and what you owe, with live prices for anything that has a market. It does not project your retirement, model your withdrawal order, or tell you whether you are saving enough each month. It is the right tool for the first question (where do I stand) and the wrong tool for the second (what should I do next).
Delphina plans from the same starting position. It reads your real income and spending, knows your pension and ISA balances, includes your State Pension forecast, and projects forward to a retirement date. The two are complementary if you have non-standard assets, or Delphina alone if your finances sit in standard UK accounts.
Kubera handles the assets other tools miss. Crypto across multiple wallets and exchanges, real estate in different countries, private equity holdings, watches, art, and other illiquid positions can all be logged at sensible valuations and tracked over time. The dashboard pulls live prices for the liquid assets and lets you update illiquid ones manually with a record of past values.
For someone whose net worth is genuinely diversified, Kubera gives a clearer picture than any UK bank-led tool. The interface is fast, the data entry is well designed, and the heir view (showing what you hold and who has access) is unique in the consumer market.
Delphina turns the balance sheet into a plan. It knows your UK pension rules (25% tax-free lump sum, annual allowance taper, drawdown order), your ISA subscription limits, your State Pension forecast, and the dividend and capital gains allowances. It models monthly savings rate forward and tells you the date you reach your retirement number.
For a UK household with mostly standard assets (workplace pension, S&S ISA, property, cash savings), Delphina gives a more useful answer than Kubera. The two tools solve different problems. If you also hold crypto or international property, you can log those into Delphina's manual assets section while keeping the planning in Delphina.
Pull your State Pension forecast from gov.uk and your latest pension statement, then connect both to Delphina this week. If you hold crypto or international property, log those into Delphina's manual assets section so the planner sees your full picture. The 20 minutes you spend gathering the documents will set up the rest of your year.