You want to retire at 50. Nutmeg invests your ISA. Delphina plans your path to early retirement. Here is the difference.
Nutmeg has no FIRE number or retirement date surfaced to users. It is an investment platform. Nutmeg gives you a projected pot value at your target retirement age based on your contributions and assumed returns, but it does not run the 25x multiplier or show you whether your pot is enough.
Delphina gives UK savers the FIRE number, the date, and the levers that move the date. State Pension income from 67 is built in as a deduction from the required portfolio. The projection uses your actual savings rate from your real spending.
Nutmeg's fully managed portfolios are well-suited to UK FIRE savers who want to invest without making asset allocation decisions themselves. The platform handles fund selection, rebalancing, and tax-efficient wrapper use (ISA, SIPP, JISA). For the execution side of FIRE, Nutmeg is a credible answer.
Nutmeg's fee structure (0.45-0.75% for fully managed, falling at higher balances) is competitive among UK managed portfolio platforms.
Delphina gives UK FIRE savers the date and the levers. A saver with £180,000 across pensions and ISAs, spending £3,200 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 3 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. You can adjust the levers and watch the projection update in real time.
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. If the date works with Nutmeg's current portfolio, great. If not, the platform tells you which lever to pull.