You want to retire at 50. You have £380,000 across pensions, ISAs and crypto. Kubera shows you the total. Delphina shows you the date. Here is the difference.
Kubera has no FIRE number, no retirement projection, and no withdrawal modelling. It logs what you hold and shows the running total. That is genuinely useful for a diversified portfolio, but it does not tell you whether the total is enough to retire on, or when.
Delphina calculates your FIRE number as 25 times your real annual spending, projects forward using your actual savings rate, includes the State Pension as income from age 67, and gives you a date. The two tools answer different questions. Kubera is the inventory. Delphina is the plan.
If you are pursuing FIRE with a meaningfully diversified portfolio, Kubera gives a clearer picture of what you actually hold. Crypto on multiple exchanges, real estate abroad, private equity stakes, and other illiquid positions can be logged accurately and tracked over time. Knowing the true net worth, including assets the UK bank-led tools miss, is the foundation of any honest FIRE plan.
Kubera also gives a clear heir view, which matters if you have dependents. You can see at a glance which accounts and assets are documented, who has access, and what would need to be resolved if something happened to you. Most FIRE planners ignore this dimension entirely.
Delphina gives the date. A UK saver with £380,000 across pensions, ISAs and crypto, saving £2,600 a month and spending £3,400, gets a specific projection: at a 5% real return and the current savings rate, you reach 25x your spending at age 51 and 2 months. State Pension income from 67 reduces the required portfolio by around £314,000, which moves the date earlier.
Delphina also lets you see what moves the date. Putting an extra £400 a month into the SIPP brings the date forward by 11 months. Cutting £200 a month from eating out adds 4 months. You can adjust the levers and watch the projection update. Kubera cannot do any of this because it does not know your spending.
Add up your real annual spending for the last 12 months from your bank statements and multiply by 25. That is your FIRE number. Connect Delphina this week to see the date at your current savings rate, and log any non-standard assets into the manual assets section so the planner sees the full picture.