Comparison methodology: This page reflects Delphina's view and publicly available information about each tool at the time of writing. Features, pricing, and availability of both products may have changed. Please verify directly with each provider before making a decision. Neither product provides regulated financial advice.
Those are two different questions. Most people with a few pensions, an ISA and a savings account can't answer either with confidence.
Quartz (myquartz.ai) is a new UK personal finance app built around wealth tracking. It connects your accounts, then Charlie, an AI assistant, talks you through how your investments are performing. Delphina is the UK's personal financial clarity platform. It turns what you have today into a picture of where you are heading. Both are useful. They just start from different questions.
One looks closely at the wealth you have built. The other looks ahead at what it will become.
A wealth tracking platform
Connect your banks, ISAs, pensions, investment platforms, crypto and property through Open Banking. Quartz works out your true returns after fees and currency effects. Charlie, its AI assistant, talks you through allocation, fees and what the markets are doing to your portfolio.
For people with money spread across several platforms who want one live view of how it is performing.
A financial clarity platform
A financial clarity platform is the moment you can finally see your whole picture. Add your UK bank, pension and investment accounts yourself. The dashboard does the rest: your balances, 30-year cash flow forecasts, and scenarios you can play with.
For people who suspect they are probably fine and want to know for sure.
There is some overlap, but the centre of gravity is different.
A wealth tracking platform
A financial clarity platform
How each tool approaches the question most people never quite manage to answer.
How each tool handles day-to-day spending, and where one of them deliberately doesn't.
How each tool supports the financial independence question.
More on Quartz: Quartz review · Quartz pricing · Quartz alternatives
Knowing how your money is doing is useful. Knowing where it is heading is what lets you act. Try both. The one that feels right is the one to keep.
Delphina is free to start. Quartz offers a 14-day free trial, then £16.99 a month or £169.99 a year. Try both and decide.
Quartz focuses on the wealth you hold today: live balances, true returns after fees, and an AI assistant to explain them. Delphina focuses on where that wealth is heading: 30-year forecasts, retirement readiness and what-if scenarios. One is a clear view of the present, the other a clear view of the path ahead.
With Delphina, no. You add your UK accounts yourself. Quartz connects through regulated Open Banking, using Yapily, and is registered with the FCA as an account information service provider. That means balances update automatically, in exchange for granting account access. Which you prefer is a genuine personal choice.
Quartz shows your pensions and investments today and helps you find and consolidate old pots. At the time of writing it does not advertise long-range forecasts or scenario modelling. If the question on your mind is whether today's savings will be enough later, that is the question Delphina is built around.
No, and neither should. Quartz is a wealth tracking platform. Delphina is a financial clarity platform. Neither is regulated financial advice. They help you understand your situation. The decisions stay with you.
Delphina is free to start. Quartz has a 14-day free trial, then costs £16.99 a month or £169.99 a year. Check each provider's site for current pricing.