Educational use only. Not financial, investment, tax or legal advice.
Moneyhub shutting down 14 August 2026

Moneyhub vs Delphina: FIRE Tracking

FIRE (Financial Independence, Retire Early) planning requires knowing your number. Moneyhub never calculated it. Delphina does.

What is FIRE Tracking?

FIRE (Financial Independence, Retire Early) is a movement focused on accumulating assets until your passive income covers your expenses, freeing you from traditional employment.

FIRE tracking means calculating your personal FIRE number (typically 25x your annual expenses), modelling when you can reach it, and tracking your progress.

The key question: "When can I stop working for money?" Moneyhub never answered this.

FIRE Tracking Capabilities

Moneyhub

No FIRE number calculation
No retirement date projection
No FIRE progress tracking
No withdrawal strategy planning
No coast FIRE calculations
Basic savings tracking

Delphina

FIRE number calculator
Projected retirement date
FIRE progress tracking
Withdrawal strategy modelling
Coast FIRE calculations
Monte Carlo success probability

FIRE Tracking Features

FeatureMoneyhubDelphina
FIRE Number Calculator
Retirement Date Projection
Progress Tracking
Withdrawal Strategy
Coast FIRE Calculation
Monte Carlo Analysis
State Pension IntegrationLimitedFull
ISA Pension Combined View

Why FIRE Tracking Matters

Moneyhub Cannot Tell You

  • What your FIRE number is
  • When you can realistically retire
  • If you have enough to retire safely
  • What your success probability is
  • How to optimise your savings rate

Delphina Shows You

  • Your exact FIRE number
  • Projected retirement date
  • Monte Carlo success probability
  • What-if scenario modelling
  • Optimised savings pathway

The Question Every FIRE Seeker Asks

"How much do I actually need to retire?"

Moneyhub showed you your balance. Delphina calculates your number, and tells you exactly when you will reach it.

Calculate Your FIRE Number

Best For Different Needs

Choose Moneyhub For

  • • Basic savings tracking
  • • Transaction categorisation
  • • Subscription management
  • • Spending analysis
  • • NOTE: Moneyhub closing August 2026

Choose Delphina For

  • • FIRE number calculation
  • • Retirement date projection
  • • Monte Carlo analysis
  • • Savings rate optimisation
  • • UK pension and ISA integration
  • • Scenario planning for early retirement

Ready to calculate your FIRE number?

Stop guessing. Get your number and a plan to reach it.