The five year number
Five years of Snoop comes to £239.95 on Plus paid annually, or £359.40 paid monthly. Most people never need to leave the free tier, so the honest year one figure for a typical user is £0. Verified 21 July 2026.
Year by year
| Time held | Snoop | Delphina |
|---|---|---|
| After 1 year | Snoop£0 on the free version, £47.99 on Plus paid annually, or £71.88 on Plus paid monthly | Delphina£119.88 |
| After 3 years | Snoop£143.97 on Plus paid annually, or £215.64 paid monthly | Delphina£359.64 |
| After 5 years | Snoop£239.95 on Plus paid annually, or £359.40 paid monthly | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Most people never need to leave the free tier, so the honest year one figure for a typical user is £0.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: Paying monthly rather than annually costs £23.89 more a year
- Hidden cost: The free trial rolls into a charge unless you cancel before it ends
- Hidden cost: Cancelling on the same day you sign up means you are charged if you later try to start the trial again
Figures based on Snoop’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For people who want their bills and subscriptions watched for them without paying anything, that is a fair price. A genuinely useful free tier: account linking, spending tracking, budgets, credit score and bill switching. The savings suggestions are the point of the product, not an upsell, and they are specific to your actual spending.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Snoop pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Snoop is better than Delphina at finding money you are currently wasting, and it does that for free, which is hard to argue with. It is a rear-view mirror with a very good bill checker attached. Delphina is the opposite end: it takes what you already have across every UK account and projects it forward against pension and tax rules. Using Snoop to cut your bills and Delphina to decide where the saved money should go is a perfectly sensible combination.
More on Snoop
Snoop: common questions
It is worth it for people who want their bills and subscriptions watched for them without paying anything. It is a poor buy for anyone who needs backward looking by design: it tells you what you spent and where to trim, not where you end up, because that is not what it is built to do.
3 things are not on the pricing page: paying monthly rather than annually costs £23.89 more a year; the free trial rolls into a charge unless you cancel before it ends; cancelling on the same day you sign up means you are charged if you later try to start the trial again.
Snoop's help centre states you can cancel during the free trial and you will not be charged, and that you will be charged monthly or yearly at the end of it. It also warns that if you sign up and cancel the same day, you will be charged when you try to activate the trial again later. We could not verify the trial length from Snoop's own pages, so check in the app before relying on a specific number of days.
£23.89 a year, paying £47.99 up front instead of £5.99 a month, via annual billing. Pay for twelve months of Snoop Plus in advance.
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.