A deep dive into financial planning capabilities: Compare YNAB's budgeting approach with Delphina's comprehensive long-term planning and wealth building features.
YNAB operates on a monthly budgeting cycle with the "give every dollar a job" philosophy. Planning is limited to current month expenses and immediate financial goals.
Excellent for managing monthly cash flow and debt reduction, but lacks tools for long-term financial planning beyond basic goal tracking.
No built-in forecasting capabilities for future years, retirement planning, or long-term wealth building scenarios.
Comprehensive 30-year cash flow forecasting that projects your entire financial future, including retirement, major life events, and wealth accumulation.
Advanced scenario modeling to test different financial decisions, career changes, investment strategies, and life events before making commitments.
Sophisticated retirement planning with FIRE calculations, withdrawal strategies, and optimization of savings rates for early retirement goals.
No investment tracking or integration. Focuses solely on budget management and debt reduction. Investment planning must be done separately in other tools.
Full investment tracking and integration with your financial plan. See how investment decisions impact your long-term financial goals and retirement timeline.
Wealth building is indirect through debt reduction and savings goals. No specific tools or strategies for investment optimization or wealth accumulation.
Active wealth building strategies with investment optimization, tax-efficient planning, and comprehensive guidance on building sustainable long-term wealth.
Manual decision making based on budget categories and available funds. No AI-powered insights or predictive guidance for financial decisions.
AI-powered financial guidance that analyzes your situation and provides personalised recommendations for optimal financial decision-making.
Basic risk assessment through budget buffers and emergency fund tracking. No sophisticated risk modeling or scenario analysis.
Advanced risk assessment with Monte Carlo simulations, stress testing, and comprehensive analysis of financial decision impacts.
While YNAB excels at monthly budgeting and debt reduction, Delphina provides comprehensive financial planning that looks decades into your future. If you need long-term wealth building, retirement planning, and sophisticated financial decision support, Delphina is the clear choice.