The five year number
Five years of Wealthify comes to about £370 on a £10,000 Original plan held flat. The worked figures hold the portfolio flat at £10,000 for clarity. In reality the fee is taken monthly on the current value, so it rises as the pot grows and falls when it shrinks. An Ethical plan on the same £10,000 would run closer to £106 a year. Verified 21 July 2026.
Year by year
| Time held | Wealthify | Delphina |
|---|---|---|
| After 1 year | WealthifyOn a £10,000 Original plan, about £74: £60 management fee plus roughly £14 in fund and trading charges | Delphina£119.88 |
| After 3 years | WealthifyAbout £222 on a £10,000 Original plan held flat | Delphina£359.64 |
| After 5 years | WealthifyAbout £370 on a £10,000 Original plan held flat | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
The worked figures hold the portfolio flat at £10,000 for clarity. In reality the fee is taken monthly on the current value, so it rises as the pot grows and falls when it shrinks. An Ethical plan on the same £10,000 would run closer to £106 a year.
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: Fund and trading charges of about 0.14% on Original plans, or about 0.46% on Ethical plans, on top of the 0.6%
- Hidden cost: The market spread between buying and selling prices, which Wealthify notes is not a direct charge but still costs you
- Hidden cost: The fee is uncapped, so it scales with your portfolio while the service does not
Figures based on Wealthify’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For uk investors who want someone else to pick and rebalance the funds, that is a fair price. Properly UK-focused, with Stocks and Shares ISAs, Junior ISAs and a personal pension. One simple 0.6% management fee, with no charges for deposits, withdrawals, transfers or closing a plan.
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 Wealthify 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.
Wealthify actually invests your money, which Delphina does not do. If what you want is someone to run a portfolio, use them. Delphina is the planning layer on top: it models the ISA allowance, the pension and the tax, across everything you hold, including the Wealthify plan.
More on Wealthify
Wealthify: common questions
It is worth it for uk investors who want someone else to pick and rebalance the funds. It is a poor buy for anyone who needs percentage fees rise with your pot, so a larger portfolio pays more for the same service, because that is not what it is built to do.
3 things are not on the pricing page: fund and trading charges of about 0.14% on original plans, or about 0.46% on ethical plans, on top of the 0.6%; the market spread between buying and selling prices, which wealthify notes is not a direct charge but still costs you; the fee is uncapped, so it scales with your portfolio while the service does not.
£50 for you and £50 for the person you refer, via referral billing. The referrer needs at least one funded eligible investment plan. The new customer must sign up through the referral link and hold £1,000 in an ISA or Junior ISA, or £5,000 in a general investment account or SIPP, for six consecutive months. Capped at 50 successful referrals, and it cannot be combined with other offers..
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.