Educational use only. Not financial, investment, tax or legal advice.

Meet Warren vs Delphina for Budgeting

Where does my money actually go?

It is the question most people never quite get to the bottom of. Both Meet Warren and Delphina help you get a clearer view of day-to-day spending. They just take different paths to it.

Two paths to understand where your money goes

Meet Warren

A retirement planning platform

Meet Warren does not link to bank accounts by design. You describe your spending, savings and goals in conversation, and Warren frames today's money in the context of your retirement plan.

For people who would rather not share account data and want spending discussed through the lens of long-term goals.

Delphina

A financial clarity platform

Add your UK bank accounts. The dashboard lays out your spending in clear charts, surfaces cash flow, and lets you set category budgets with spending limits.

For people who want to see their spending laid out in front of them and are happy to enter their own data.

What each tool helps you do

Meet Warren

  • No bank or account connections required. A deliberate privacy choice.
  • Discusses today's spending in the context of your retirement plan
  • Plan dashboard focused on retirement progress
  • UK retirement context throughout

Delphina

  • Track spending across categories you set
  • See spending trends as charts and cash flow analysis
  • Set category budgets with spending limits
  • Surface UK tax and HMRC context alongside spending

Which feels more like you?

Meet Warren tends to suit people who...

  • • Would rather not link bank accounts
  • • Care most about retirement planning
  • • Want spending framed in the context of long-term goals
  • • Prefer a guided conversation over a transaction feed

Delphina tends to suit people who...

  • • Want spending auto-categorised from their accounts
  • • Prefer charts to conversations about money
  • • Like setting specific budgets with spending limits
  • • Want tax and HMRC context surfaced automatically

See where your money actually goes

Both tools help you close the awareness gap. Try both. The one that fits how you think is the one to keep.

Delphina is free to start. Warren's initial consultation is free; the full plan is £79 for a year.