Need comprehensive planning beyond just retirement projections? Want intelligent guidance your retirement tool can't provide? You're not alone. You are not alone - thousands are switching to smarter financial planning.
Timeline focuses solely on retirement planning with no comprehensive financial planning. You're getting a one-dimensional view of your finances.
Retirement planning without any budgeting or expense tracking. Can't see how your daily spending affects your retirement readiness.
Primarily US-focused with limited support for UK pensions, tax rules, and financial products. UK users get a inferior experience.
Retirement planning without tracking your actual investments. Can't see how your portfolio is performing in real-time.
Can't test "what-if" scenarios or model different financial futures. You're planning blind without understanding the impact of your decisions.
Just gives you projections without recommendations. No AI insights to help you optimize your retirement strategy.
| Feature | Timeline | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✗ | ✓ |
| Investment Tracking | ✗ | ✓ |
| Long-term Planning (30+ years) | ✓ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| Budgeting & Expense Tracking | ✗ | ✓ |
| Retirement Planning | ✓ | ✓ |
| Net Worth Tracking | ✗ | ✓ |
| FIRE Calculations | ✗ | ✓ |
| UK Pension Support | ✗ | ✓ |
Focuses primarily on retirement calculations and basic forecasting. Limited to retirement-specific metrics without comprehensive financial context.
Advanced retirement planning with FIRE calculations, pension optimization, tax implications, and integration with overall financial health.
Basic projection models with limited scenario analysis. Focuses on retirement date and basic sustainability calculations.
Sophisticated forecasting with multiple scenarios, market conditions, inflation modeling, and comprehensive sensitivity analysis.
Basic retirement goal setting with simple progress tracking. Limited to retirement-specific milestones.
Comprehensive goal setting including retirement, major purchases, education funding, and multiple financial objectives with dynamic tracking.
Limited to retirement planning. No comprehensive budgeting, expense tracking, or investment management features.
Complete financial management including budgeting, investments, expenses, income tracking, and comprehensive net worth analysis.
Generic retirement planning without UK-specific considerations, tax planning, or pension optimization.
Built for UK market with State Pension considerations, ISA optimization, pension planning, and UK-specific tax strategies.
AI-powered insights for optimal retirement timing and strategies
Model multiple scenarios with market and economic variables
Optimize State Pension, workplace pensions, and private pensions
Join thousands of users who've upgraded from basic retirement calculators to comprehensive financial guidance.
Delphina provides comprehensive financial planning that goes beyond what most competitors offer - with AI-powered insights and better value.
Delphina offers more features at competitive pricing - giving you better ROI than most alternatives.
Delphina includes 30-year forecasting, retirement planning, and scenario analysis - comprehensive tools for your future.
Delphina combines budgeting, forecasting, goals, and wealth building in one powerful platform.
Delphina is UK-optimised with Open Banking, FCA awareness, and local support.