You want to retire at 50. Octopus Money tracks your goals. Delphina gives you the date. Here is the difference.
Octopus Money has no FIRE number or retirement date surfaced to users. It is a money management app with goal tracking and optional coaching. The FIRE planning question is not what Octopus Money answers directly.
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.
Octopus Money's goal tracking is useful for shorter-term targets. If your goal is to save £5,000 for a holiday, £15,000 for a wedding, or £50,000 for a house deposit, Octopus Money's goal framework with monthly contribution tracking is solid.
Octopus Money's coaching option is also useful for households who want a human to look at their picture with them. The coaching tier gives you access to advisers who can talk through scenarios.
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.
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 you want coaching on the result, book an Octopus Money coaching session once you have the number.