Frustrated with new apps that promise the world but deliver basic features? Tired of bugs and growing pains? You're not alone. You are not alone - thousands are switching to smarter financial planning.
New app with basic functionality only. Doesn't offer comprehensive financial planning features.
New service with bugs and reliability issues. Users report sync problems and limited functionality.
Simple analytics that don't provide meaningful financial insights or help with planning.
Bank connection problems reported. Unreliable data synchronization with financial accounts.
Missing essential financial planning tools like retirement planning, FIRE calculations, or scenario modeling.
Relatively new app with limited track record. Concerns about long-term reliability and support.
| Feature | Nova Money | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✓ | ✓ |
| Budget Management | ✓ | ✓ |
| Investment Tracking | ✗ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| Bank Account Integration | ✓ | ✓ |
| Retirement Planning | ✗ | ✓ |
| Net Worth Tracking | ✗ | ✓ |
| FIRE Calculations | ✗ | ✓ |
Modern budgeting interface and visual reports. Limited to current spending analysis without predictive financial forecasting.
Advanced financial foresight with 30-year cash flow projections, scenario planning, and predictive analytics for comprehensive wealth building.
Modern budgeting with spending categorisation. Limited budget oversight without comprehensive financial integration.
Complete full picture budgeting across all accounts, investments, and financial goals. Comprehensive view of your entire financial life.
Visual spending reports and budget tracking. Limited personalisation without comprehensive financial guidance.
Sophisticated personalised guidance that adapts to your unique financial situation, goals, and life circumstances for optimal decision-making.
Standard security protocols for budgeting app. Data may be used for app improvements and third-party services.
Bank-level encryption with complete data privacy. Your financial information is used only to provide personalised guidance, never for marketing.
Join Delphina and experience intelligent financial guidance with future-ready planning and complete financial visibility.
Delphina provides comprehensive financial planning that goes beyond what most competitors offer - with AI-powered insights and better value.
Delphina offers more features at competitive pricing - giving you better ROI than most alternatives.
Delphina includes 30-year forecasting, retirement planning, and scenario analysis - comprehensive tools for your future.
Delphina combines budgeting, forecasting, goals, and wealth building in one powerful platform.
Delphina is UK-optimised with Open Banking, FCA awareness, and local support.