Need more than just conversations? Want comprehensive planning your AI chat cannot provide? You are not alone - thousands are switching to smarter planning with real capabilities. today for better planning
Meet Warren is an AI chat only - no actual financial tracking, budgeting, or real data integration.
No bank account integration or real financial data. You're just chatting about hypothetical scenarios.
No expense tracking, budgeting, or investment portfolio management. Just conversations.
No 30-year forecasting or comprehensive wealth planning. Conversations don't build wealth.
Can't run actual "what-if" scenarios with real financial data. Chat is just hypothetical.
No automated AI insights from your actual financial data. You get generic advice only.
| Feature | Meet Warren | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✗ | ✓ |
| Investment Tracking | ✗ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| AI-Powered Insights | ✓ | ✓ |
| Bank Account Integration | ✗ | ✓ |
| Budgeting & Expense Tracking | ✗ | ✓ |
| Retirement Planning | ✗ | ✓ |
| Net Worth Tracking | ✗ | ✓ |
| Real Financial Data | ✗ | ✓ |
Voice and chat-based AI conversations. Users talk with Warren AI to get basic financial guidance and overview of their situation through conversational interface.
Visual dashboard with comprehensive tools. Users interact with data-driven interfaces, charts, and detailed planning tools for precise financial management.
Basic financial overview and simple retirement calculations. Limited to high-level guidance without detailed planning capabilities or scenario modeling.
Advanced financial planning with sophisticated FIRE calculators, 30-year cash flow forecasting, scenario modeling, and detailed goal tracking.
No budgeting or expense tracking features. Users cannot monitor spending, categorise expenses, or manage their budget through the platform.
Comprehensive budgeting with automatic expense categorization, spending insights, cash flow analysis, and optimization recommendations.
No investment tracking capabilities. Cannot monitor portfolio performance, track asset allocation, or provide detailed investment insights.
Complete investment tracking with real-time portfolio monitoring, asset allocation analysis, growth projections, and performance tracking.
Limited to conversational insights without detailed analytics. No visual charts, graphs, or comprehensive data analysis capabilities.
Rich visual analytics with interactive charts, detailed financial dashboards, progress tracking, and comprehensive data visualization.
| Feature | Delphina | Meet Warren |
|---|---|---|
| Personal Finance Planning | ✓ Comprehensive | ○ Basic |
| Budgeting & Expense Tracking | ✓ Advanced | ✗ Not Available |
| Investment Tracking | ✓ Real-time | ✗ Not Available |
| FIRE Calculators | ✓ Advanced | ○ Basic |
| AI Conversations | ✗ Not Available | ✓ Voice & Chat |
| Visual Dashboards | ✓ Interactive | ✗ Not Available |
| UK-Specific Features | ✓ State Pension & Tax | ○ Limited |
| Free Tier Available | ✓ Comprehensive | ○ Limited |
Join Delphina and experience data-driven financial guidance with powerful planning tools designed for serious financial management.
Comprehensive tools based on real financial data for accurate planning.
Sophisticated FIRE calculators with state pension and UK-specific features.
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.