Octopus Money focuses on UK retirement planning with advisor requirements. Delphina offers comprehensive planning for your entire financial life.
Octopus Money is UK-focused with limited support for international users, multi-currency accounts, or expat planning. Delphina supports UK and European users with local tax rules and multi-currency functionality for those with global investments.
Both Octopus Money and Delphina offer long-term projections, but Delphina includes scenario planning, Monte Carlo simulations, and AI-powered insights to help you make better decisions about your financial future.
Octopus Money often requires financial advisor integration for full value, adding cost and complexity. Delphina provides intelligent financial guidance directly, empowering you to make decisions without mandatory advisor fees.