You want a UK financial plan that connects to daily money. RetireEasy plans for US households. Here is the difference.
RetireEasy's year-by-year retirement modelling is the strongest case. For US households within 5-10 years of retirement, the platform lets you build detailed expense profiles for the go-go, slow-go, and no-go phases. Healthcare cost modelling, Medicare premium inflation, and long-term care costs are all handled in detail.
For couples planning together, RetireEasy's joint and individual scenarios are useful. Both spouses can see the household picture while running their own what-if scenarios separately.
Delphina is built for the UK. It uses UK pension rules, ISA limits, the State Pension forecast, and the dividend and capital gains allowances. RetireEasy's US-specific tax modelling is irrelevant for a UK household.
Delphina also plans from your real money. The platform reads your actual spending, knows your pension and ISA balances, and projects forward. A 42-year-old with £148,000 in pensions and £35,000 in ISAs gets a specific answer in Delphina.
Pull your State Pension forecast from gov.uk and your latest pension statement. Connect both to Delphina this week. Within 15 minutes you will have a specific number for your retirement gap and one monthly action.