You want to retire at 50. Nubank is a Latin American neobank. Delphina plans early retirement for UK individuals. Here is the difference.
Nubank has no FIRE number, no retirement projection, and no withdrawal modelling. It is a Latin American neobank. The question "when can I retire?" is not what Nubank answers.
Delphina gives UK savers the FIRE number, the date, and the levers that move the date. If FIRE is the goal, the planning is in Delphina.
Nubank's investment platform (Nubank Invest) is a useful addition for Brazilian customers who want to start investing alongside the no-fee credit card and digital account. The platform offers diversified ETF portfolios with low minimums. For Latin American customers, this is a credible start to long-term investing.
Nubank's investment platform is also Brazilian-only. It does not serve UK customers.
Delphina gives UK FIRE savers the date and the levers. A saver with £220,000 across pensions and ISAs, spending £3,000 a month and saving £2,400 a month, gets a specific projection: at a 5% real return and the current savings rate, you reach 25x your spending at age 49 and 5 months. State Pension income from 67 reduces the required portfolio by around £314,000.
Delphina also shows what moves the date. Increasing your SIPP contribution by £300 a month brings retirement forward by 8 months. Reducing monthly eating out by £150 adds 3 months.
Add up your real annual spending for the last 12 months from your bank statements and multiply by 25. That is your FIRE number today. Connect Delphina this week to get the date.