What Plum costs
Plum charges £3.99 per month, rising to £14.99 per month on the top tier. There is a free tier below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Basic | Price£0per month | Included
| Not included
|
| Plus | Price£3.99per month | Included
| Not included
|
| Boost | Price£7.99per month | Included
| Not included
|
| Max | Price£14.99per month | Included
| Not included
|
- Free tier: yes. Basic is permanently free and includes a Cash ISA and Lifetime ISA, but investing on Basic carries a 0.60% management fee and 0.93% on money market funds, so the product is not free once money is invested.
Prices taken from Plum’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Basic at £0 per month is the tier that covers 6 automations.
- Plus at £3.99 per month is the tier that covers 10 automations.
- Boost at £7.99 per month is the tier that covers everything in plus.
- Max at £14.99 per month is the tier that covers everything in boost.
Plum suits people who want saving to happen automatically without thinking about it, so that is the lens to pick a tier through.
What the price does not cover
- Basic is permanently free and includes a Cash ISA and Lifetime ISA, but investing on Basic carries a 0.60% management fee and 0.93% on money market funds, so the product is not free once money is invested.
- Plum Visa debit card
- Enhanced interest rates
- Lower investment management fees
- The wider fund range on Boost and Max
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs Plum.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
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
Plum costs £3.99 per month. Prices were checked on 21 July 2026.
Yes. Basic is permanently free and includes a Cash ISA and Lifetime ISA, but investing on Basic carries a 0.60% management fee and 0.93% on money market funds, so the product is not free once money is invested. The paid tiers add the features listed above.
The decision-relevant difference is that Plus adds 10 automations. Basic covers 6 automations.
There are cheaper tools in the investing category, though most trade away something Plum does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job Plum does for people who want saving to happen automatically without thinking about it.