Frustrated Personal Capital requires expensive advisors for comprehensive planning? Paying premium fees for basic wealth management ignoring guidance? You're not alone - thousands tired of high costs and advisor relationships.
Personal Capital forces users into expensive advisor relationships for comprehensive planning, making sophisticated financial guidance inaccessible to many.
High subscription costs for investment tracking and basic wealth management that free alternatives can handle without premium pricing.
Complex advisor-dependent system excludes users who want comprehensive financial planning without mandatory professional relationships.
Personal Capital offers basic investment tracking without sophisticated AI-powered guidance or personalised financial recommendations.
Primarily focused on investment management while ignoring comprehensive budgeting, expense tracking, and holistic financial planning needs.
Personal Capital provides snapshot analysis without 30-year cash flow projections or advanced future financial planning capabilities.
| Feature | Personal Capital | Delphina |
|---|---|---|
| Net Worth Tracking | ✓ | ✓ |
| Investment Analysis | ✓ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Advisor-Free Planning | ✗ | ✓ |
| Intelligent Financial Guidance | ✗ | ✓ |
| 30-Year Cash Flow Forecasting | ✗ | ✓ |
| Comprehensive Budgeting | ✗ | ✓ |
| Accessible Pricing | ✗ | ✓ |
| Holistic Financial Planning | ✗ | ✓ |
| Annual Cost | Premium subscription + advisor fees | Free tier available |
Compare comprehensive financial planning capabilities, retirement planning, and investment strategies.
Compare AI-powered budgeting, predictive insights, and advanced expense management.
Compare FIRE number calculators, early retirement planning, and withdrawal strategies.
Focuses on investment analysis and retirement planning. Limited to investment-centric view without comprehensive financial forecasting.
Future-ready planning with 30-year cash flow projections, scenario planning, and advanced forecasting for comprehensive wealth building.
Strong investment tracking and net worth monitoring. Limited budget oversight without comprehensive financial integration.
Complete financial visibility across all accounts, investments, and financial goals. Comprehensive view of your entire financial life.
Limited budgeting features focused on cash flow analysis. No comprehensive expense tracking or budget management tools.
Comprehensive budgeting with AI-powered insights, expense management, and integrated planning for complete financial oversight.
Free tools designed to lead users to paid wealth management services. Potential conflicts of interest in recommendations.
Independent guidance focused on your best interests. No upselling to financial services, purely educational and planning-focused.
Join Delphina and experience intelligent financial guidance with future-ready planning and complete financial visibility.
Get Started FreeDelphina provides comprehensive financial planning that goes beyond what most competitors offer - with AI-powered insights and better value.
Delphina offers more features at competitive pricing - giving you better ROI than most alternatives.
Delphina includes 30-year forecasting, retirement planning, and scenario analysis - comprehensive tools for your future.
Delphina combines budgeting, forecasting, goals, and wealth building in one powerful platform.
Delphina is UK-optimised with Open Banking, FCA awareness, and local support.