Educational use only. Not financial, investment, tax or legal advice.
← Back to Moneyhub vs Delphina Overview
Moneyhub shutting down 14 August 2026

Moneyhub vs Delphina: Financial Planning

Moneyhub shows where your money went. Delphina shows you where you are headed, and whether you are on track for the life you want.

See Your Financial Future

Financial Planning Capabilities

Moneyhub

Transaction tracking
Spending categorisation
Net worth snapshots
No 30-year projections
No retirement planning
No scenario modelling
No FIRE calculations

Delphina

Transaction tracking
Smart categorisation
Live net worth tracking
30-year projections
Comprehensive retirement planning
Scenario modelling
FIRE number calculator

Financial Planning Features

FeatureMoneyhubDelphina
30-Year Cash Flow Projections✗✓
Retirement Age Planning✗✓
State Pension ProjectionsLimitedFull
Monte Carlo Simulations✗✓
FIRE Number Calculator✗✓
Scenario Planning✗✓
UK ISA Planning✗✓
Tax-Aware Projections✗✓
Goal-Based Tracking✗✓

Why Retrospective Tracking Is Not Enough

Moneyhub Limitations

  • Shows where your money went, not where it is going
  • No understanding of whether you are on track
  • Cannot answer "will I have enough for retirement?"
  • No Monte Carlo or probability analysis
  • No scenario planning for life changes
  • Closing August 2026. Data at risk

Delphina Advantages

  • 30-year projections show your financial future
  • Clear yes/no on whether you are on track
  • Monte Carlo simulations for probability of success
  • Scenario planning for career, inheritance, market changes
  • UK pension and ISA integrated planning
  • Active development, not closing

The Question Moneyhub Never Answered

"Will I have enough for the life I want?"

Moneyhub showed you where your money went. Delphina shows you where you are headed, and tells you whether you need to change course.

Get Your Answer

Best For Different Needs

Choose Moneyhub For

  • • Simple spending tracking
  • • Basic net worth snapshots
  • • Subscription monitoring
  • • Understanding past spending
  • • NOTE: Moneyhub closing August 2026

Choose Delphina For

  • • Retirement readiness assessment
  • • FIRE number calculation
  • • 30-year financial projections
  • • Scenario planning for life changes
  • • UK pension and ISA optimisation
  • • Understanding if you are on track

Ready to see your financial future?

Stop wondering if you are on track. Know.

Start Financial PlanningCompare Budgeting Features