Snoop told you that you spent £87 on a coffee subscription you forgot about, and you cancelled it. Useful. But the same app has not told you whether you are on track for retirement. Here is the honest difference.
Snoop is a UK money management app that connects to your bank and surfaces insights about your spending. The platform is good at vendor-level analysis: it identifies your recurring subscriptions, flags unusual transactions, and tells you about price changes on bills you already have. The free tier is genuinely useful.
Delphina is built for a different question. Snoop shows you what you spent and what you might save. Delphina shows you whether you are on track for retirement, what your FIRE number is, and what to do this month to close the gap. Snoop is vendor-level visibility. Delphina is lifetime planning.
Snoop's vendor-level analysis is genuinely useful. The platform identifies your recurring subscriptions (Netflix, Spotify, that gym membership you forgot about), flags price changes, and tells you when a regular bill has gone up. For UK households who want to optimise recurring spend, Snoop is a credible answer.
Snoop's free tier covers the core features. The paid tier adds longer history and custom categories. For someone who just wants to know where the recurring waste is, Snoop is good value.
Delphina plans from your daily money through to retirement. A 42-year-old with £148,000 in pensions, £35,000 in ISAs, and £1,800 a month going into savings gets a specific projection in Delphina: their retirement date, the gap to the UK moderate retirement number of around £580,000, and the monthly actions that close the gap.
Delphina also shows you the cost of waiting. If your FIRE date is age 52 at your current pace, Delphina shows you that adding £300 a month to your SIPP brings the date forward by 8 months, and that cutting £200 a month from eating out adds 4 months. Snoop's insight is "you spend £87 a month on coffee". Delphina's insight is "that coffee is delaying your retirement by 14 months".
| Feature | Snoop | Delphina |
|---|---|---|
| UK bank connections via Open Banking | ✓ | ✗ |
| Vendor-level subscription tracking | ✓ | ✗ |
| Bill price change alerts | ✓ | ✗ |
| Long-term UK retirement forecasting | ✗ | ✓ |
| Goal-based monthly action list | ✗ | ✓ |
| UK State Pension forecast | ✗ | ✓ |
| FIRE number and date projection | ✗ | ✓ |
| Automatic transaction categorisation | ✓ | ✓ |
| Multi-account aggregation | ✓ | ✓ |
| Daily UK-specific category caps | ✗ | ✓ |
| Annual Cost | Free, Premium from £3.99/month | Free tier available |
Connect your main UK current account to Delphina this week. Within a fortnight you will know your real monthly spend, your UK retirement number, and the one action that closes the gap fastest.