What Nutmeg (now J.P. Morgan Personal Investing) costs
Nutmeg (now J.P. Morgan Personal Investing) charges 0.75% a year per aum, rising to £900 to £1,350 per one-off on the top tier. There is no free plan below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Managed styles, first £100,000 | Price0.75% a yearper year, charged on the balance you hold | Included
| Not included
|
| Managed styles, above £100,000 | Price0.35% a yearper year, charged on the balance you hold | Included
| Not included
|
| Fixed Allocation, first £100,000 | Price0.45% a yearper year, charged on the balance you hold | Included
| Not included
|
| Fixed Allocation, above £100,000 | Price0.25% a yearper year, charged on the balance you hold | Included
| Not included
|
| Financial planning and advice | Price£900 to £1,350one-off payment | Included
| Not included
|
- Free tier: no.
Prices taken from Nutmeg (now J.P. Morgan Personal Investing)’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Managed styles, first £100,000 at 0.75% a year per aum is the tier that covers fully managed, socially responsible, thematic, income and smart alpha styles.
- Managed styles, above £100,000 at 0.35% a year per aum is the tier that covers applies to the portion above £100,000.
- Fixed Allocation, first £100,000 at 0.45% a year per aum is the tier that covers fixed allocation style, priced separately from managed styles.
- Fixed Allocation, above £100,000 at 0.25% a year per aum is the tier that covers applies to the portion above £100,000.
- Financial planning and advice at £900 to £1,350 per one-off is the tier that covers core advice at £900 including vat.
Nutmeg (now J.P. Morgan Personal Investing) suits people who want a managed portfolio run for them and are happy to pay a percentage for it, so that is the lens to pick a tier through.
What the price does not cover
- Underlying fund provider charges
- Market spread
- Financial planning and advice
- Underlying fund provider charges
- Market spread
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs Nutmeg (now J.P. Morgan Personal Investing).
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
This is an investment manager and Delphina is not, which is the honest starting point. If you want somebody to run a portfolio for you, J.P. Morgan Personal Investing does that and Delphina does not. What it will not tell you is whether the portfolio, your workplace pension, your ISA allowance and your tax position add up to the retirement you want. That is the gap Delphina fills, at a flat monthly price rather than a percentage of your money.
More on Nutmeg (now J.P. Morgan Personal Investing)
Nutmeg (now J.P. Morgan Personal Investing): common questions
Nutmeg (now J.P. Morgan Personal Investing) costs 0.75% a year per aum. Prices were checked on 21 July 2026.
No. Nutmeg (now J.P. Morgan Personal Investing) has no free tier, so the cheapest way in is 0.75% a year per aum.
The decision-relevant difference is that Managed styles, above £100,000 adds applies to the portion above £100,000. Managed styles, first £100,000 covers fully managed, socially responsible, thematic, income and smart alpha styles.
There are cheaper tools in the investing category, though most trade away something Nutmeg (now J.P. Morgan Personal Investing) does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job Nutmeg (now J.P. Morgan Personal Investing) does for people who want a managed portfolio run for them and are happy to pay a percentage for it.