You want to know whether your £640,000 across pensions and ISAs is enough for the retirement you actually want. MaxiFi gives you a Monte Carlo probability. Delphina gives you a date. Here is the honest difference for a UK household.
MaxiFi is a US lifetime financial planner built around Monte Carlo simulations. The platform models decades of cash flow with correlated asset returns, dynamic withdrawal strategies, and US-specific tax modelling including Roth conversions and Social Security timing. It is sophisticated for US households with complex situations.
Delphina is built for the UK. The platform uses UK pension rules, ISA subscription limits, the State Pension forecast through your NI record, and the 25x multiplier for FIRE. A UK saver with £640,000 across pensions and ISAs gets a specific answer in Delphina, not a US tax modelling exercise.
MaxiFi's Monte Carlo simulations are detailed. The platform runs thousands of scenarios with correlated asset returns and inflation paths, and gives you a probability of success for each retirement scenario. For US households close to retirement who want to stress test drawdown strategies, MaxiFi is one of the better consumer tools at this price point.
MaxiFi also models college costs in detail. For US households with children approaching college age, the platform projects tuition inflation and the impact on the retirement plan.
Delphina is built for the UK. It uses UK pension rules, ISA limits, the State Pension forecast, and the dividend and capital gains allowances. MaxiFi's US-specific tax modelling is irrelevant for a UK household.
Delphina also plans from your real money. The platform reads your actual spending, knows your pension and ISA balances, and projects forward. A 42-year-old with £148,000 in pensions and £35,000 in ISAs gets a specific answer in Delphina, not a US tax modelling exercise.
| Feature | MaxiFi | Delphina |
|---|---|---|
| US-specific lifetime tax modelling | ✓ | ✗ |
| UK pension rules modelled correctly | ✗ | ✓ |
| Monte Carlo simulations | ✓ | ✓ |
| UK State Pension forecast | ✗ | ✓ |
| Date-based retirement projection | ✗ | ✓ |
| Goal-based monthly action list | ✗ | ✓ |
| FIRE number and date projection | ✗ | ✓ |
| Daily UK-specific category caps | ✗ | ✓ |
| Connects to your real bank and pension | ✗ | ✓ |
| Annual Cost | From $14/month | Free tier available |
Pull your State Pension forecast from gov.uk and your latest pension statement. Connect both to Delphina this week. Within 15 minutes you will have a specific UK retirement plan with a monthly action list.