The five year number
Five years of Plum comes to £239.40 on Plus, £479.40 on Boost or £899.40 on Max. Subscription and fee figures come from Plum's own subscriptions and product fees pages. Tier structure changed in July 2025, so older reviews describing Pro and Ultra tiers are out of date. Verified 21 July 2026.
Year by year
| Time held | Plum | Delphina |
|---|---|---|
| After 1 year | Plum£0 on Basic, £47.88 on Plus, £95.88 on Boost or £179.88 on Max, before investment management and fund fees | Delphina£119.88 |
| After 3 years | Plum£143.64 on Plus, £287.64 on Boost or £539.64 on Max | Delphina£359.64 |
| After 5 years | Plum£239.40 on Plus, £479.40 on Boost or £899.40 on Max | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Subscription and fee figures come from Plum's own subscriptions and product fees pages. Tier structure changed in July 2025, so older reviews describing Pro and Ultra tiers are out of date.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: Investment management fees on top of the subscription, from 0.60% on Basic down to 0.15% on Max
- Hidden cost: Money market fund fees of 0.93% on Basic, falling to 0.00% on Max
- Hidden cost: Fund manager fees vary by fund and are collected monthly from the fund
- Hidden cost: The SIPP carries 0.35% administration plus 0.10% custody on every tier
- Hidden cost: Upgrading to cut the management fee only pays off above a certain balance, and the app does not do that sum for you
Figures based on Plum’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For people who want saving to happen automatically without thinking about it, that is a fair price. A genuinely free Basic tier that includes automations, a Cash ISA and a Lifetime ISA. Automated saving rules work well for people who never get round to transferring money manually.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Plum pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Plum is better than Delphina at one specific thing: making money move into savings without you deciding to. If the barrier is inertia, Plum solves it. Delphina does not hold money or automate transfers. It models what you already have, across every account, against UK pension and tax rules, and tells you whether the plan works. Automating a contribution is worth little if the contribution is the wrong size.
More on Plum
Plum: common questions
It is worth it for people who want saving to happen automatically without thinking about it. It is a poor buy for anyone who needs four tiers where the difference is a mix of interest rates, fund range and fee levels, which is hard to compare, because that is not what it is built to do.
5 things are not on the pricing page: investment management fees on top of the subscription, from 0.60% on basic down to 0.15% on max; money market fund fees of 0.93% on basic, falling to 0.00% on max; fund manager fees vary by fund and are collected monthly from the fund; the sipp carries 0.35% administration plus 0.10% custody on every tier; upgrading to cut the management fee only pays off above a certain balance, and the app does not do that sum for you.
Plum states the paid tiers are free for your first month and that you can cancel or switch between them whenever you want. Set a reminder before the month is up, because the tier continues at full price otherwise.
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.