Need comprehensive planning beyond games? Want intelligent guidance your budgeting app can't provide? You're not alone. You are not alone - thousands are switching to smarter financial planning.
Valyou focuses on gamification with limited actual financial planning features.
No investment portfolio management or retirement planning capabilities.
No 30-year forecasting or comprehensive wealth planning for your financial future.
Can't test "what-if" scenarios or model different financial futures.
No AI-powered insights or recommendations to help you optimize your finances.
Limited support for UK-specific financial products like pensions and ISAs.
| Feature | Valyou | 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 ISA Support | ✗ | ✓ |
Compare comprehensive financial planning capabilities, retirement planning, and investment strategies.
Compare AI-powered budgeting, predictive insights, and advanced expense management.
Compare FIRE number calculators, early retirement planning, and withdrawal strategies.
Gamified budget tracking with spending challenges. Limited to short-term savings goals without long-term financial forecasting.
Future-ready planning with 30-year cash flow projections, scenario planning, and advanced forecasting for comprehensive wealth building.
Focuses on expense categorisation and savings streaks. Limited budget oversight without comprehensive financial integration.
Complete financial visibility across all accounts, investments, and financial goals. Comprehensive view of your entire financial life.
Gamified notifications and spending challenges. Limited personalisation without comprehensive financial guidance.
Sophisticated personalised guidance that adapts to your unique financial situation, goals, and life circumstances for optimal decision-making.
Standard security protocols but data may be used for gamification features and third-party financial services.
Bank-level encryption with complete data privacy. Your financial information is used only to provide personalised guidance, never for marketing.
Join Delphina and experience intelligent financial guidance with future-ready planning and complete financial visibility.
Get Started FreeDelphina 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.