Octopus Money showed you all your accounts in one view, and the coaching tier gave you a 30-minute session with a real adviser. Useful. But the same app has not told you whether you are on track for retirement. Here is the honest difference.
Octopus Money is a UK money management app that connects to most UK bank accounts, ISAs, and investment platforms. The platform aggregates the picture and offers optional coaching sessions with a human adviser. The coaching tier is a useful add-on for households who want a human to look at their money with them.
Delphina is built for a different question. Octopus Money gives you a consolidated view. Delphina gives you a working budget, a UK-specific retirement projection, and a monthly action list. The view is wider: Delphina brings in your pension, ISA, and property, then plans from there.
Octopus Money's account aggregation is solid. The platform connects to most UK banks and investment platforms, and the coaching tier gives you access to a real adviser for a 30-minute session. For households who want a human to look at their money with them, the coaching add-on is useful.
Octopus Money's goal tracking is also useful for shorter-term targets: holidays, house deposits, wedding funds. The contribution tracking is solid.
Delphina is built for the question Octopus Money does not answer. Octopus Money shows you the picture and offers coaching. Delphina shows you the picture and tells you what to do this month, with the action list updating automatically as your life changes.
Delphina also plans from your real money. A 42-year-old with £148,000 in pensions, £35,000 in ISAs, and £1,800 a month going into savings gets a specific projection: their retirement date, the gap to the UK moderate retirement number of around £580,000, and the monthly actions that close the gap.
| Feature | Octopus Money | Delphina |
|---|---|---|
| UK bank connections via Open Banking | ✓ | ✗ |
| Optional human coaching sessions | ✓ | ✗ |
| Long-term UK retirement forecasting | ✗ | ✓ |
| UK State Pension forecast | ✗ | ✓ |
| FIRE number and date projection | ✗ | ✓ |
| Goal-based monthly action list | ✗ | ✓ |
| Daily UK-specific category caps | ✗ | ✓ |
| Pension and ISA aggregation | ✓ | ✓ |
| Net worth tracking | ✓ | ✓ |
| Plan updates automatically as life changes | ✗ | ✓ |
| Annual Cost | Free tier, Coaching from £150/session | Free tier available |
Pull your State Pension forecast from gov.uk and your latest pension statement. Connect both to Delphina this week. Within 15 minutes you will have a specific UK retirement number and one monthly action to close the gap.