Comparison methodology: This page reflects Delphina's view and publicly available information about each tool at the time of writing. Features, pricing, and availability of both products may have changed. Please verify directly with each provider before making a decision. Neither product provides regulated financial advice.
If you suspect you are probably fine but have no way of knowing for sure, you are not alone. Most UK households in their thirties and forties sit in exactly that gap.
Meet Warren is a UK retirement planning platform built around a deterministic financial model and a voice-led consultation. Delphina is the UK's personal financial clarity platform, with a visual dashboard approach. Both are designed to close the same gap. They take genuinely different approaches to it.
The question both tools try to answer is the same: where do you actually stand, and what should you do next? The path looks different.
A retirement planning platform
A voice consultation turns into a persistent UK retirement plan. The engine underneath is deterministic, so you can inspect and change every assumption. Compare retirement dates, spending, drawdown order and bridge years side by side. Plan as a household with two pensions and two State Pensions. Background monitoring keeps the plan current.
For UK households with real assets who want a number they can trust.
A financial clarity platform
A financial clarity platform is the moment you can finally see your whole picture. Add your UK bank, pension and investment accounts. The dashboard does the rest: your balances, your transactions, 30-year cash flow forecasts, and scenarios you can play with.
For people who suspect they are probably fine. They want to know for sure.
Meet Warren has moved to a single plan: £149 for one year of access and support, after a free 10-minute consultation. Here is how that sits next to Delphina's plans, line by line.
| Feature | Meet Warren | Delphina |
|---|---|---|
| Free option | 10-minute voice consultation, no card: a financial summary and goal readiness assessment | Permanent Free plan, no card |
| Paid plan | Detailed Financial Plan (Pro): £149 for one year | Wealth Builder £9.99 a month or £79 a year; Investor £19.99 a month or £149 a year |
| Billing | Annual only; no monthly option listed | Monthly or annual |
| 5-year cost | £745 if renewed each year at the current price | £0 on Free; £395 on Wealth Builder or £745 on Investor, billed annually |
| Your information | No account connections required: you decide what to share | You add your UK accounts, pensions, investments and property |
| Trial | No trial of the paid plan | Free plan instead of a trial |
| Regulated advice | No: its AI agents are not FCA authorised or supervised | No: guidance, not regulated advice |
Prices checked on 6 October 2026, so check each provider's own site before you pay.
Both aim at the same outcome. The difference is how you get there.
A retirement planning platform
A financial clarity platform
The free consultation, the £149 annual plan and what each includes.
£149 in year one, £447 over three years and £745 over five, if renewed.
Scores, praise and complaints, and how much review evidence there is.
No trial of the paid plan, but a free 10-minute consultation with no card.
The hardest part is not knowing. Both tools help you close that gap, in different ways. Try both. The one that feels right is the one to keep.
Delphina is free to start. Warren's 10-minute consultation is free; the full plan is £149 for a year. Try both and decide.
Meet Warren's Detailed Financial Plan (Pro) costs £149 for one year of access and support. That covers a tailored financial plan, a future cashflow model, unlimited scenarios and what-if questions, household sharing, document uploads, 24/7 questions and daily monitoring. No monthly option is listed. If you renewed at the current price, it would come to £447 over three years and £745 over five.
Partly. The first step is a free 10-minute voice consultation with no card needed, which gives you a financial summary and a goal readiness assessment. Beyond that there is no permanent free plan and no trial: the full plan is £149 for a year.
No. FF WealthCo Ltd, which trades as Meet Warren, does not provide regulated advice, and its AI agents are not FCA authorised or supervised. Delphina is not regulated advice either: both give guidance, not regulated financial advice.
There is no single number that tells you. Most people get a rough sense by looking at three things together: what they have now, what they are likely to have at retirement, and how much they are saving relative to that goal. Both Meet Warren and Delphina help you work through that, in different ways.
No. Delphina works by you adding your UK accounts manually. Meet Warren takes the same privacy-led approach. You describe your situation in conversation and Warren helps you reason through it. Neither product asks for your bank login.
Both work for first-time users. The choice is about preference. Meet Warren starts with a guided 10-minute voice consultation that prompts you for the right context. Delphina starts by having you add your accounts, then lays out your situation visually. Pick the entry point that feels easier for you.
No, and neither should. Meet Warren is a retirement planning platform. Delphina is a financial clarity platform. Neither is regulated financial advice. They help you understand your situation. The decisions stay with you.
Try both. Delphina is free to start. Warren's initial consultation is free. The one that fits how you think is the right one.