Frustrated that XPlan requires advisor relationships and professional setup? You are not alone - thousands are seeking planning tools anyone can use independently. today for better planning.
XPlan forces users into expensive advisor relationships even for basic financial planning, making it inaccessible without professional guidance.
XPlan charges premium prices for professional tools without providing personalised financial guidance or recommendations.
XPlan requires advisor mediation for financial planning, preventing users from managing their own financial future independently.
XPlan excludes users who want comprehensive financial planning without mandatory professional advisor relationships.
XPlan provides traditional professional guidance without sophisticated AI-powered insights or predictive financial recommendations.
XPlan requires professional account setup, advisor coordination, and complex administrative processes - making it difficult for independent users.
| Feature | XPlan | Delphina |
|---|---|---|
| Professional Financial Tools | ✓ | ✓ |
| Long-term Planning (30+ years) | ✓ | ✓ |
| AI-Powered Guidance | ✗ | ✓ |
| Self-Service Planning | ✗ | ✓ |
| Personalized Financial Guidance | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| Comprehensive Financial Planning | ✗ | ✓ |
| User-Friendly Tools | ✗ | ✓ |
| Accessible Financial Planning | ✗ | ✓ |
| Annual Cost | Premium subscription + advisor fees | Free tier available |
See how Delphina's comprehensive planning beats XPlan's enterprise focus.
Discover budgeting features XPlan doesn't offer - automatic sync, categories, alerts.
Delphina's FIRE calculations help you achieve financial independence faster.
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.