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

Quartz vs Delphina for Financial Planning

Will I actually be okay in retirement?

It is the question most people in their thirties and forties never quite manage to answer. Quartz helps you see the pensions and investments you already have. Delphina helps you see what they will become. Both are part of the answer.

Two paths to understand if you'll be okay in retirement

Quartz

A wealth tracking platform

Connect your pension providers and investment platforms through Open Banking. Quartz shows what each pot is worth, what it has really returned after fees, and helps you track down old workplace pensions and consider consolidating them. Charlie can talk you through your allocation.

For people who want an accurate, live view of the retirement savings they already have.

Delphina

A financial clarity platform

Add your UK pension and investment accounts. The dashboard lays out your retirement readiness as a 30-year forecast, with state pension and ISA context surfaced automatically. Run what-if scenarios to see how different choices shift the picture.

For people who want to know whether what they have will be enough.

What each tool helps you do

Quartz

A wealth tracking platform

  • See every pension and investment pot in one place
  • Understand true returns after fees and currency effects
  • Find scattered pension pots and explore consolidation
  • Ask Charlie about allocation and market context

Delphina

A financial clarity platform

  • See retirement readiness as a single number on the dashboard
  • Run 30-year cash flow forecasts and what-if scenarios
  • Model state pension, ISA, and pension contributions together
  • Track progress against your retirement goal

Which feels more like you?

Quartz tends to suit people who...

  • • Have pensions and investments scattered across providers
  • • Want to know what fees are costing their pension
  • • Are thinking about consolidating old workplace pots
  • • Want a live, connected view of their retirement savings

Delphina tends to suit people who...

  • • Want a forecast they can see and adjust
  • • Want to test retiring earlier, or saving more, before committing
  • • Prefer to add their own accounts rather than share bank logins
  • • Want state pension and ISA context surfaced automatically

See where your retirement is heading

Knowing what your pensions are worth today is the starting point. Knowing whether they will be enough is the question. Try both. The one that fits how you think 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.