You want to retire at 50. Simplifi tracks your spending. Delphina plans your path to early retirement. Here is the difference.
Simplifi has no FIRE number, no retirement projection, and no withdrawal modelling. It is a US budgeting app from Quicken. The platform handles spending tracking, bill monitoring, and savings goals. The FIRE planning question is not what Simplifi answers.
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.
Simplifi's spending tracking and bill monitoring are solid. The platform connects to US bank, credit card, investment, and loan accounts, and gives you a real-time view of your spending. The bill tracking flags upcoming bills and subscription changes.
For US households who want to optimise daily spending and identify savings opportunities, Simplifi is a credible US tool. It does not pretend to be a long-term planning platform.
Delphina is built for the UK. It is built for UK accounts, uses UK categories by default, and turns the budget into forward planning. Simplifi is US-only. You cannot connect a UK current account.
Delphina also gives UK FIRE savers a date and the levers. A saver with £180,000 across pensions and ISAs, spending £3,200 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 3 months. State Pension income from 67 reduces the required portfolio by around £314,000.
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. Simplifi is good at the spend tracking. Delphina is good at the plan.