Frustrated PocketGuard only tracks spending with no investment planning? Paying $79.99/year for basic features that ignore retirement planning? You're not alone - thousands are tired of limited scope with no financial guidance.
PocketGuard completely ignores investment tracking, leaving you with zero visibility into your portfolio performance, retirement accounts, or wealth-building progress.
PocketGuard focuses only on current spending and bills, with zero capability to forecast your financial future or plan for retirement.
Basic spending alerts and savings goals don't provide the personalised financial guidance needed to make real wealth-building decisions.
Paying $79.99/year for spending tracking and bill organization that free apps can handle without any comprehensive planning features.
Can't test "what-if" scenarios or model different financial decisions - you're flying blind without ability to plan for major life changes.
PocketGuard offers zero tools for investment tracking, retirement planning, or net worth monitoring - it's just expense tracking.
| Feature | PocketGuard | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✓ | ✓ |
| Investment Tracking | ✗ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| 30-Year Cash Flow Forecasting | ✗ | ✓ |
| Retirement Planning | ✗ | ✓ |
| FIRE Calculations | ✗ | ✓ |
| Net Worth Tracking | ✗ | ✓ |
| Annual Cost | $79.99/year | 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.
Basic spending tracking and bill organization. Limited to short-term budget management without long-term financial forecasting.
Future-ready planning with 30-year cash flow projections, scenario planning, and advanced forecasting for comprehensive wealth building.
Focuses on spending tracking and bill organization. Limited budget oversight without comprehensive financial integration.
Complete financial visibility across all accounts, investments, and financial goals. Comprehensive view of your entire financial life.
Basic spending alerts and savings goal tracking. Limited personalisation without comprehensive financial guidance.
Sophisticated personalised guidance that adapts to your unique financial situation, goals, and life circumstances for optimal decision-making.
Standard security protocols but data may be used for product recommendations and third-party financial services.
Bank-level encryption with complete data privacy. Your financial information is used only to provide personalised guidance, never for marketing.
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.