You opened PocketSmith three months ago and still have not finished the setup wizard. You want clarity, not another 47-field forecast. Here is the honest difference.
PocketSmith is a New Zealand personal finance platform built around long-term forecasting. The tool handles multi-currency accounts, scenario planning, and detailed budget categories. It is genuinely powerful for people who want to model decades of cash flow. It is also dense, slow to set up, and US/NZ-focused in its defaults.
Delphina is built for the UK. You add your UK accounts, and the platform gives you a working budget, a retirement projection, and a monthly action list on day one. The shape of the product is different: clarity over depth.
PocketSmith's long-term forecasting is genuinely useful. If you have complex multi-currency holdings (UK plus US plus euro accounts, for example) and you want a single view that handles the FX, PocketSmith is one of the better consumer tools. The scenario modelling lets you test "what if I move to Spain in 5 years" with detail most tools do not attempt.
PocketSmith also has detailed category-level budget planning. If you want to forecast your grocery spend over 12 months at a granular level, PocketSmith gives you the inputs.
Delphina is built for the UK. It is built for UK accounts, pensions and tax from day one. The categorisation matches UK spending, the categories match UK life, and the retirement projection uses UK pension rules. A 42-year-old with £148,000 in pensions and £35,000 in ISAs gets a specific answer in Delphina, not a setup wizard.
Delphina also turns the projection into a monthly action. The same categorisation that shows you spent £400 on takeaways also feeds the retirement projection and shows that £400 redirected into a SIPP closes the gap by £84,000 over 15 years. PocketSmith's depth is on the inputs. Delphina's depth is on the action.
| Feature | PocketSmith | Delphina |
|---|---|---|
| Automatic transaction categorisation | ✓ | ✓ |
| Multi-currency account support | ✓ | ✗ |
| Long-term forecasting (30+ years) | ✓ | ✓ |
| Scenario planning with what-if analysis | ✓ | ✓ |
| Goal-based monthly action list | ✗ | ✓ |
| UK State Pension forecast | ✗ | ✓ |
| FIRE number and date projection | ✗ | ✓ |
| Net worth tracking | ✓ | ✓ |
| Free tier available | ✓ | ✓ |
| Annual Cost | From $9.99/month | Free tier available |
Connect your main UK current account to Delphina this week. Within a fortnight you will know your real monthly spend on the categories where most people leak money, plus a specific UK retirement number. That single picture is the foundation for every other financial decision you make this year.