UK workplace vs individual planning
Moneyfit and Delphina are both UK-built financial products, but they are bought by different people. Moneyfit is a workplace benefit sold to employers' HR teams — your company pays, you get the app. Delphina is bought by you directly as a personal planning tool. So this page is honest about that gap up front.
There are three plausible reasons someone lands here: (1) you're an HR or benefits manager evaluating workplace wellbeing tools, (2) your employer offers Moneyfit and you want to know what personal Delphina would add, or (3) you're researching the category. All three are valid search intents and we cover all three below.
They look both "financial" on paper, but they barely overlap in features. Moneyfit is education + workplace wellbeing; Delphina is planning + projection.
| Feature | Moneyfit | Delphina |
|---|---|---|
| Sold directly to individuals | ✗ | ✓ |
| Sold to UK employers (B2B) | ✓ | ✗ |
| Open banking aggregation | ✗ | ✓ |
| Net worth tracking | ✗ | ✓ |
| Forward-looking cashflow planning | ✗ | ✓ |
| Verdict on whether you are on track | ✗ | ✓ |
| Scenario planning (what if I…) | ✗ | ✓ |
| Retirement projection (30-year) | ✗ | ✓ |
| UK pension and ISA rules modelled | ✗ | ✓ |
| Money personality quiz / self-assessment | ✓ | ✗ |
| Cashback / rewards card | ✓ | ✗ |
| Employer wellbeing dashboard | ✓ | ✗ |
| Mental health and gambling support signposting | ✓ | ✗ |
| Annual Cost | Per-employee licence (sales-led) | From £9.99/month |
Moneyfit has won UK industry awards for workplace financial wellbeing. The money-personality quiz is unusually good at framing where you are before telling you what to do, and the cashback card is a real feature (not a marketing line). The employer-side reporting gives HR teams something usable, not just engagement metrics.
What it doesn't do — and what consumer planning tools generally don't either — is answer the future question. Where will I actually be in 20 years, and what would have to change for that to look OK? That's the gap Delphina exists to fill, for individuals willing to pay for it themselves.
If you're a UK employer: the two products don't actually compete — Moneyfit is for your benefits package; Delphina would sit alongside it for any employee who wants personal forward-looking planning.
Moneyfit teaches the language of money. Delphina uses your accounts and your goals to tell you what that language means for your specific future.
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