Frustrated that Nutmeg only handles investments? Need comprehensive financial planning that includes budgeting, goals, and long-term forecasting? You are not alone - thousands are switching to smarter financial planning.
Nutmeg focuses solely on investing your money. There is no budgeting, expense tracking, or holistic view of your complete financial picture.
Nutmeg charges 0.45% - 0.75% annually in management fees. Over time, these fees significantly reduce your investment growth.
You get pre-built risk-based portfolios but limited customisation for your specific goals, values, or financial situation.
Cannot model different scenarios, test "what-if" situations, or see how life changes might impact your financial future.
Limited to UK investors with UK bank accounts. If you work internationally or have global investments, Nutmeg cannot help.
No tools to help you calculate when you can retire, track FIRE progress, or plan for early retirement.
| Feature | Nutmeg | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✗ | ✓ |
| Investment Tracking | ✓ | ✓ |
| Budgeting & Expense Tracking | ✗ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Scenario Planning & What-if Analysis | ✗ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| Retirement Planning | ✓ | ✓ |
| FIRE Calculations | ✗ | ✓ |
| Goal Tracking | ✗ | ✓ |
| No Management Fees | ✗ | ✓ |
Move beyond investment-only planning. Delphina gives you budgeting, forecasting, scenario planning, and AI-powered insights - all in one place.
Nutmeg offers investment management, but Delphina provides comprehensive planning including investments, budgeting, and long-term forecasting. For complete financial planning, Delphina is the better choice.
No, Nutmeg is purely an investment platform. It does not offer budgeting, expense tracking, or comprehensive financial planning features.
Nutmeg charges 0.45% - 0.75% annually in management fees, depending on your portfolio. Delphina offers comprehensive planning at a fraction of these costs.
No, Nutmeg does not offer FIRE calculations or retirement planning tools. Delphina provides comprehensive FIRE tracking and retirement planning.
No, Nutmeg is UK-only. Delphina offers global functionality for international users with multi-currency support.
No, Nutmeg does not offer scenario planning or what-if analysis. Delphina allows you to model different financial scenarios and see their impact.