Rocket Money cancelled three subscriptions for you last month, which is genuinely useful. But it has not told you whether you are on track for retirement, and that is the bigger question. Here is the honest difference.
Rocket Money is a US subscription-cancellation and budgeting service. The platform connects to your bank, identifies recurring subscriptions, and offers to cancel them on your behalf for a fee. The premium tier ($6-12/month or a percentage of savings) also includes budgeting, bill negotiation, and smart savings.
Delphina is built for the UK. You upload your bank transactions, Delphina categorises them automatically, and you see what you spent in each category this week, this month, and against your cap. Delphina also plans beyond this month: a UK-specific retirement projection, a FIRE number, and a monthly action list.
Rocket Money's subscription-cancellation service is genuinely useful. The platform identifies recurring charges, contacts the merchants, and gets the cancellation processed. For US households who have accumulated subscriptions they no longer use, Rocket Money pays for itself quickly.
Rocket Money also offers bill negotiation for things like phone and cable bills. The platform contacts providers and asks for a discount, often successfully. For US households with stale bills, this is a useful add-on.
Delphina is built for the UK. It is built for UK accounts, uses UK categories by default, and turns the budget into a steering tool. Set a weekly cap on eating out, and Delphina tells you on Sunday whether you are on track or £87 over.
Delphina also plans beyond this month. The same categorisation that shows you spent £400 on takeaways also feeds your retirement projection. A 42-year-old with £148,000 in pensions and £35,000 in ISAs gets a specific answer in Delphina, not a subscription-cancellation service.
| Feature | Rocket Money | Delphina |
|---|---|---|
| Subscription-cancellation service | ✓ | ✗ |
| Bill negotiation for US bills | ✓ | ✗ |
| UK State Pension forecast | ✗ | ✓ |
| Long-term UK retirement forecasting | ✗ | ✓ |
| FIRE number and date projection | ✗ | ✓ |
| Goal-based monthly action list | ✗ | ✓ |
| Daily UK-specific category caps | ✓ | ✓ |
| Pension and ISA aggregation | ✗ | ✓ |
| Plan updates automatically as life changes | ✗ | ✓ |
| Annual Cost | $6-12/month or % of savings | Free tier available |
Connect your main UK current account to Delphina this week. Within a fortnight you will know your real monthly spend on the categories where most people leak money, plus a specific UK retirement number. You can keep using subscription-cancellation services alongside Delphina. The two tools solve different problems.