Educational use only. Not financial, investment, tax or legal advice.

Quartz vs Delphina for Budgeting

Where does my money actually go?

It is the question most people never quite get to the bottom of. Here the two tools are genuinely different. Quartz is built around wealth and investments rather than budgets. Delphina includes spending and budgets as part of the wider picture.

Two paths to understand where your money goes

Quartz

A wealth tracking platform

Quartz connects your current accounts alongside your savings and investments, so your cash sits within your wider wealth picture. Quartz describes its focus as your wealth as a whole rather than day-to-day spending, and at the time of writing it does not advertise budgeting tools.

For people who want to focus on growing and tracking wealth rather than on everyday spending.

Delphina

A financial clarity platform

Add your UK bank accounts. The dashboard lays out your spending in clear charts, surfaces cash flow, and lets you set category budgets with spending limits.

For people who want to see their spending laid out in front of them and are happy to enter their own data.

What each tool helps you do

Quartz

A wealth tracking platform

Current accounts shown alongside savings, investments and property
Focus on wealth and investment performance rather than budgets
Charlie explains portfolio and fee questions in conversation
No budgeting tools advertised at the time of writing

Delphina

A financial clarity platform

Track spending across categories you set
See spending trends as charts and cash flow analysis
Set category budgets with spending limits
Surface UK tax and HMRC context alongside spending

Which feels more like you?

Quartz tends to suit people who...

• Already budget elsewhere, or don't need to
• Care more about investment performance than spending
• Want cash, savings and investments in one connected view
• Like asking questions about their money in conversation

Delphina tends to suit people who...

• Want spending and budgets in the same place as their long-term plan
• Prefer charts to conversations about money
• Like setting specific budgets with spending limits
• Want tax and HMRC context surfaced automatically

See where your money actually goes

If budgeting matters to you, pick a tool that does it. If you already have spending sorted, the choice is about the rest of your picture. Try both and see which fits.

Try Delphina free Start a free trial with Quartz

Delphina is free to start. Quartz offers a 14-day free trial, then £16.99 a month or £169.99 a year.

Another AI money tool, compared

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