You want a UK financial plan with a date and a gap. Octopus Money gives you a view. Delphina gives you a plan. Here is the difference.
Octopus Money gives you a consolidated view and goal tracking. It does not project forward to a specific retirement date with a gap to close. The platform shows you what you have, what you are spending, and how that compares to your saving goals, but the action layer is a human coaching session rather than a built-in projection.
Delphina plans from your daily money through to retirement. UK-specific rules: 25% pension tax-free lump sum, the annual allowance taper from £260,000, ISA subscription limits, and the State Pension forecast through your NI record.
Octopus Money's account aggregation is solid. The platform connects to most UK banks, credit cards, ISAs, and some investment accounts, giving you one consolidated view. For households with accounts spread across many providers, that consolidation is useful.
Octopus Money's coaching option (additional subscription tier) gives you access to a human adviser who can look at your consolidated picture with you. For households who want guidance without committing to a 0.5-1% ongoing adviser fee, this is a middle option.
Delphina gives you the planning layer that Octopus Money's view does not. 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. The platform shows the gap to the UK moderate retirement number of around £580,000, and the monthly actions that close it.
Delphina also updates the plan as your life changes. A pay rise, a bonus paid into a SIPP, a redundancy payout: the projection shifts in real time. Octopus Money's view is a snapshot. Delphina's is a living model.
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 number for your retirement gap and one monthly action.