Moneyhub excelled at showing where your money went. Delphina shows you where your finances are headed, and whether you are on track for the life you want.
Moneyhub completed its pivot to B2B in August 2026. Consumer users were migrated to WPS Advisory (LifeStage app). If you have not yet set up your WPS account, or if you want a clearer picture of your full financial future, here is what to know.
Delphina and WPS Advisory are not the same thing. WPS LifeStage is the successor to Moneyhub's aggregation technology. Delphina is a different tool entirely: one that shows you where your money is headed, not just where it went.
Moneyhub shows you where your money has been. Transaction categorisation, spending analysis, historical trends.
Useful for: Understanding past spending patterns, tracking where your money goes.
Delphina shows you where your money is headed. 30-year projections, goal tracking, scenario planning.
Answers: Will I have enough for retirement? Can I afford a house in 5 years? Am I on track?
Moneyhub shows past spending but never answers the question that matters: will I have enough?
No retirement projections. No FIRE calculations. No understanding of whether your savings are sufficient.
No scenario planning. Cannot model how career changes, salary increases, or windfalls affect your future.
No goal-based planning. No understanding of whether you can afford a house, retirement, or other milestones.
No Monte Carlo simulations. No probability analysis. No understanding of risk to your plans.
Limited UK pension integration. No state pension projection. No understanding of your complete retirement picture.
| Feature | Moneyhub | Delphina |
|---|---|---|
| Transaction Tracking | ✓ | ✓ |
| Spending Categorisation | ✓ | ✓ |
| Net Worth Tracking | ✓ | ✓ |
| 30-Year Financial Projections | ✗ | ✓ |
| Retirement Planning | ✗ | ✓ |
| FIRE Calculations | ✗ | ✓ |
| Monte Carlo Simulations | ✗ | ✓ |
| Goal-Based Planning | ✗ | ✓ |
| Scenario Planning | ✗ | ✓ |
| UK Pension Integration | ✓ | ✓ |
| ISA Planning | ✗ | ✓ |
| Tax-Aware Planning | ✗ | ✓ |
| Active Development | ✗ | ✓ |
Compare comprehensive financial planning, retirement strategy, and long-term wealth building capabilities.
Compare spending tracking, expense management, and forward-looking budget projections.
Compare FIRE number calculations, early retirement planning, and withdrawal strategies.
Note: Moneyhub closed to consumer users in August 2026. Existing customers were moved to WPS Advisory.
If you were migrated to WPS Advisory and want a financial planning tool, not just a transaction tracker, Delphina gives you the 30-year view. Bank accounts, pensions, investments, property: all in one place.
Stop wondering. Get clear on your financial future with Delphina.
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