What Wealthify costs
Wealthify charges 0.6% per aum, rising to About 0.14% on Original plans, about 0.46% on Ethical plans per aum on the top tier. There is no free plan below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Management fee | Price0.6%per year, charged on the balance you hold | Included
| Not included
|
| Personal Pension above £100,000 | Price0.3%per year, charged on the balance you hold | Included
| Not included
|
| Fund and trading charges | PriceAbout 0.14% on Original plans, about 0.46% on Ethical plansper year, charged on the balance you hold | Included
| Not included
|
- Free tier: no.
Prices taken from Wealthify’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Management fee at 0.6% per aum is the tier that covers account setup, portfolio management and rebalancing.
- Personal Pension above £100,000 at 0.3% per aum is the tier that covers the reduced management rate on the portion of a personal pension over £100,000.
- Fund and trading charges at About 0.14% on Original plans, about 0.46% on Ethical plans per aum is the tier that covers charges taken by the fund providers themselves.
Wealthify suits uk investors who want someone else to pick and rebalance the funds, so that is the lens to pick a tier through.
What the price does not cover
- Fund and trading charges, which are separate
- Budgeting, cash flow and scenario planning
- Any reduction on ISAs or general investment accounts
- Anything Wealthify keeps
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs Wealthify.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
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
Wealthify costs 0.6% per aum. Prices were checked on 21 July 2026.
No. Wealthify has no free tier, so the cheapest way in is 0.6% per aum.
The decision-relevant difference is that Personal Pension above £100,000 adds the reduced management rate on the portion of a personal pension over £100,000. Management fee covers account setup, portfolio management and rebalancing.
There are cheaper tools in the investing category, though most trade away something Wealthify does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job Wealthify does for uk investors who want someone else to pick and rebalance the funds.