You want to retire at 50. RightCapital is a US adviser platform. Delphina plans early retirement for UK individuals. Here is the difference.
RightCapital does not have a FIRE number or a retirement date surfaced to clients. It is a B2B platform. The FIRE planning question is not what RightCapital answers directly. Your adviser, if you have one, would do the retirement modelling on RightCapital and use it for the cash flow scenarios.
Delphina gives you the FIRE number, the date, and the levers that move the date. If FIRE is the goal, the planning is in Delphina.
RightCapital's Monte Carlo simulations and dynamic withdrawal strategies are well regarded. For a US saver close to retirement, having an adviser run scenarios against different withdrawal strategies, market crashes, and healthcare cost inflation gives you a probability-based view that is hard to replicate.
The catch is the fee and the read-only nature. 0.5-1% of assets per year for the adviser, and you do not control the assumptions.
Delphina gives UK FIRE savers the date and the levers. A saver with £220,000 across pensions and ISAs, spending £3,000 a month and saving £2,400 a month, gets a specific projection: at a 5% real return and the current savings rate, you reach 25x your spending at age 49 and 5 months. State Pension income from 67 reduces the required portfolio by around £314,000.
Delphina also shows what moves the date. Increasing your SIPP contribution by £300 a month brings retirement forward by 8 months. Reducing monthly eating out by £150 adds 3 months.
Add up your real annual spending for the last 12 months from your bank statements and multiply by 25. That is your FIRE number today. Connect Delphina this week to get the date.