NerdWallet showed you which US credit card gives the best cashback, but it cannot tell you whether you are on track for retirement. Different shapes of tool. Here is the honest difference.
NerdWallet is a US personal finance content site with comparison tools for credit cards, bank accounts, mortgages, and investment products. The platform is well known for its editorial content and its free calculators (mortgage, refinancing, credit card payoff). NerdWallet is a content and comparison destination, not a personal financial clarity tool.
Delphina is built for the UK. You add your UK bank, pension and ISA balances, and the platform gives you a working budget, a UK-specific retirement projection, and a monthly action list. Delphina is a personal tool, not a comparison content site.
NerdWallet's content is genuinely useful for US households shopping for credit cards, mortgages, or investment products. The comparison tools are independent (NerdWallet makes money from referral fees, but the comparisons are unbiased). For someone in the US choosing between 5 credit cards, NerdWallet is a credible answer.
NerdWallet's free calculators (mortgage, refinance, credit card payoff) are solid. If you have a specific US financial product question, NerdWallet has a calculator for it.
Delphina is built for the UK household question: "where do I stand, and what should I do next?". A 38-year-old with £148,000 in pensions, £35,000 in ISAs, and £1,800 a month going into savings gets a specific projection in Delphina. NerdWallet does not attempt any of this. The platforms answer different questions.
Delphina also gives you a personal tool, not a content site. Your data is yours, your plan is personalised, and your monthly action list reflects your actual situation. NerdWallet is a destination you visit. Delphina is a tool you use.
| Feature | NerdWallet | Delphina |
|---|---|---|
| US financial product comparisons | ✓ | ✗ |
| Personal UK financial clarity | ✗ | ✓ |
| UK State Pension forecast | ✗ | ✓ |
| Long-term UK retirement forecasting | ✗ | ✓ |
| Goal-based monthly action list | ✗ | ✓ |
| FIRE number and date projection | ✗ | ✓ |
| Daily UK-specific category caps | ✗ | ✓ |
| Pension and ISA aggregation | ✗ | ✓ |
| Editorial content for education | ✓ | ✗ |
| Annual Cost | Free (ad-supported) | Free tier available |
Connect your main UK current account to Delphina this week. Within a fortnight you will know your real monthly spend, your UK retirement number, and the one action that closes the gap fastest. A content site tells you about products. Delphina tells you about your money.