Money Dashboard shows you all your UK bank accounts in one view. Useful, but it does not show you whether you are on track for retirement. Here is the honest difference.
Money Dashboard is a UK money aggregator that connects to most UK bank accounts through Open Banking. The platform shows you a consolidated balance, monthly spending by category, and basic budgeting. It has been around since 2008 and is one of the more established UK aggregators.
Delphina is built for a different question. Money Dashboard shows you what you have and what you spent. Delphina shows you whether you are on track for retirement, what your FIRE number is, and what to do this month. The view is wider: it covers your pension, your ISA, your property, and your long-term plan, not just your bank balances.
Money Dashboard's account aggregation is solid. The platform connects to most UK banks, credit cards, and some investment accounts, and gives you a consolidated balance across them all. The history goes back further than most UK aggregators. The budgeting view is functional and covers the basics.
For someone who wants one place to see all their UK bank balances and a basic spending breakdown, Money Dashboard is a credible answer.
Delphina is built for the question Money Dashboard does not answer. Your Money Dashboard shows you your current account balance. Delphina shows you your full financial picture, including your workplace pension and S&S ISA, and gives you a UK-specific retirement projection with a gap to close.
Delphina also turns daily money into forward planning. The same categorisation that shows you spent £400 on takeaways also feeds your retirement projection. A 42-year-old with £148,000 in pensions and £35,000 in ISAs gets a specific answer in Delphina, not a dashboard view of yesterday's balances.
| Feature | Money Dashboard | Delphina |
|---|---|---|
| UK bank connections via Open Banking | ✓ | ✗ |
| Long transaction history | ✓ | ✗ |
| Pension aggregation | ✗ | ✓ |
| UK State Pension forecast | ✗ | ✓ |
| Long-term retirement forecasting | ✗ | ✓ |
| Goal-based monthly action list | ✗ | ✓ |
| FIRE number and date projection | ✗ | ✓ |
| Daily UK-specific category caps | ✗ | ✓ |
| Net worth tracking | ✓ | ✓ |
| Property value tracking | ✓ | ✓ |
| Annual Cost | Free tier, Pro from £4.99/month | Free tier available |
Connect your main UK current account to Delphina this week, alongside your workplace pension and S&S ISA. Within 15 minutes you will know your full UK financial picture and a specific UK retirement number.