Need comprehensive planning beyond just tracking investments? Want intelligent guidance your portfolio tool can't provide? You're not alone. You are not alone - thousands are switching to smarter financial planning.
Kumberi tracks investments but offers no comprehensive financial planning. You're only seeing part of your financial picture, not the full story.
Pure investment tracking without any budgeting or expense management. Can't connect your daily spending to your long-term wealth building.
Primarily US-focused with limited support for UK investments, pensions, and financial products. UK users miss critical features.
Can't model different financial futures or test "what-if" scenarios. You're investing blind without understanding the impact of your decisions.
Just shows you numbers without recommendations. No AI insights to help you optimize your portfolio or reach your financial goals.
Investment tracking without retirement projections or pension planning. Can't see if you're on track for retirement.
| Feature | Kumberi | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✗ | ✓ |
| Investment Tracking | ✓ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| Budgeting & Expense Tracking | ✗ | ✓ |
| Retirement Planning | ✗ | ✓ |
| Net Worth Tracking | ✓ | ✓ |
| FIRE Calculations | ✗ | ✓ |
| UK Pension Support | ✗ | ✓ |
Basic portfolio tracking with market data integration. Focuses on performance metrics and basic analytics. Limited to investment assets only.
Comprehensive investment tracking with advanced analytics, asset allocation insights, and correlation with overall financial health. Integrates with complete financial picture.
Limited to investment tracking. No comprehensive financial planning, budgeting, or goal setting capabilities.
Holistic financial planning including investments, income, expenses, retirement goals, and scenario planning. Complete financial visibility.
Standard performance metrics and basic market data. Limited predictive capabilities or personalised recommendations.
AI-powered insights, predictive modeling, personalised recommendations, and scenario analysis. Adapts to your financial goals and market conditions.
Generic investment platform without UK-specific features, tax considerations, or pension planning.
Built for UK market with ISA considerations, pension planning, tax optimization, and UK-specific financial products.
Beyond investments - see your entire financial life in one place
Predict future scenarios and plan for multiple outcomes
Get personalised recommendations based on your goals
Join thousands of users who've upgraded from basic investment tracking 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.