You want to retire at 50. XPlan is the planning tool many UK advisers use. Delphina plans your path to early retirement. Here is how the two fit together.
XPlan does not have a FIRE number or a retirement date surfaced to clients. It is a B2B planning tool. The FIRE planning question is not what XPlan answers directly. Your adviser, if you have one, would do the retirement modelling on XPlan and use it for the cash flow scenarios and drawdown sequencing.
Delphina gives you the FIRE number, the date, and the levers that move the date. If FIRE is the goal, the planning is in Delphina, and the investment execution can be in an XPlan-using adviser's portfolio or in a self-invested personal pension of your choice.
If you are pursuing FIRE with a substantial portfolio (£500k+), having an XPlan-using adviser manage the planning and drawdown can be worth the fee. The adviser's cash flow modelling, tax-efficient drawdown sequencing, and rebalancing discipline are useful for the run-up to and the early years of retirement, when sequence-of-returns risk is highest.
The catch is the fee. 0.5-1% of £500,000 is £2,500-£5,000 a year. Over a 30-year retirement that compounds to a significant number. You would need to be confident the adviser's value exceeds that cost. For many DIY-leaning FIRE savers, the math does not work.
Delphina gives UK FIRE savers the date and the levers. A 38-year-old with £180,000 across pensions and ISAs, spending £3,200 a month and saving £2,400 a month, gets a specific projection: at a 5% real return and the current savings rate, you reach 25x your spending at age 49 and 3 months. State Pension income from 67 reduces the required portfolio by around £314,000.
Delphina also shows you what moves the date. Increasing your SIPP contribution by £300 a month brings the date forward by 8 months. Reducing monthly eating out by £150 adds 3 months. You can adjust the levers and watch the projection update in real time.
Add up your real annual spending for the last 12 months from your bank statements and multiply by 25. That is your FIRE number today, with no tool. Connect Delphina this week to get the date. If you have an XPlan-using adviser, share the Delphina projection with them. If you do not, the platform alone gets you most of the way.