A deep dive into financial planning capabilities: Compare Simplifi's spending plans with Delphina's comprehensive long-term planning and wealth building features.
Simplifi focuses on monthly spending plans and bill tracking. Planning is limited to current month expenses and immediate financial goals.
Good for managing monthly cash flow and basic goal tracking, but lacks tools for long-term financial planning beyond simple savings goals.
No built-in forecasting capabilities for future years, retirement planning, or long-term wealth building scenarios.
Comprehensive 30-year cash flow forecasting that projects your entire financial future, including retirement, major life events, and wealth accumulation.
Advanced scenario modeling to test different financial decisions, career changes, investment strategies, and life events before making commitments.
Sophisticated retirement planning with FIRE calculations, withdrawal strategies, and optimization of savings rates for early retirement goals.
Basic investment monitoring that shows portfolio value and basic performance. Limited integration with overall financial planning and goal tracking.
Full investment tracking and integration with your financial plan. See how investment decisions impact your long-term financial goals and retirement timeline.
Wealth building is indirect through basic savings tracking and investment monitoring. No specific tools or strategies for investment optimization.
Active wealth building strategies with investment optimization, tax-efficient planning, and comprehensive guidance on building sustainable long-term wealth.
Basic spending insights and bill reminders. Limited AI-powered insights or predictive guidance for complex financial decisions.
AI-powered financial guidance that analyzes your situation and provides personalised recommendations for optimal financial decision-making.
Basic spending alerts and budget tracking. No sophisticated risk modeling or scenario analysis for major financial decisions.
Advanced risk assessment with Monte Carlo simulations, stress testing, and comprehensive analysis of financial decision impacts.
While Simplifi excels at monthly spending plan tracking and bill management, Delphina provides comprehensive financial planning that looks decades into your future. If you need long-term wealth building, retirement planning, and sophisticated financial decision support, Delphina is the clear choice.