Three jobs: show you where you stand, model what's coming, and tell you what to do next. Add your accounts in two minutes.
Free plan covers the basics. Paid plan unlocks 30-year projections and Monte Carlo.
Start with your net worth. It's the number that matters most.
Try the trackerSee what your pension might actually give you. Probably more than you think.
Plan your retirementAdd your accounts and see your financial future. Surprising for most people.
Forecast your cash flowGrouped by what you might be wondering.
Right-now clarity on what you have and what you owe.
Everything you own and everything you owe, in one number. The single most useful figure in personal finance.
Track every UK pension in one place. State pension, workplace, SIPP, old plans from previous jobs.
UK retirement planning, modelled against your full financial life. Not in isolation.
Affordability, mortgages and stamp duty in one place. See the impact on everything else before you commit.
Set financial goals and track progress. House deposit, pension contributions, emergency fund.
Projections and scenarios for the next 30 years.
Add your accounts and see where your finances go over the next 30 years.
Career changes, redundancy, moving house, taking a year off. See how each plays out before you commit.
Monte Carlo simulation runs thousands of possible futures. See probability of success, not a single optimistic number.
Personalised insights from your actual data. Not generic tips. UK-specific recommendations.
Day-to-day tracking that connects to the bigger picture.
See exactly where your spending goes each month. Custom categories, real-time alerts, monthly reports that make sense.
Automatic categorisation of the transactions you upload. Less manual sorting. Clear insights into your habits.
See money come in and money go out, projected forward. No more end-of-month surprises.
Intelligent categorisation that learns from your corrections and gets better the more you categorise.
Investing and long-term wealth building.
Track investments across ISAs, SIPPs and pensions. See whether they are doing what you need them to do.
See how your income becomes property, investments and pension. The compounding nobody tells you about.
Calculate your path to financial independence. See when your savings could replace your salary.
Budget, track, invest and plan together. No more switching between apps to see the full picture.
Bring everything together in one coherent plan. Budget, investments, goals and retirement. All connected.
For when you want to go deeper. Test your plans against thousands of possible futures.
Three guides visitors to this page go on to read most often:
The honest way to benchmark yourself, without the spreadsheet and without paying £200 an hour.
Read itPlain-English framework for when to pay for one, when not to, and what to ask.
Read itThe first 30 days, the right order of decisions, and what to avoid.
Read itThe features above answer what Delphina does. The page below answers why it exists and who built it.
Delphina brings your accounts, pensions and investments together in one picture of your finances, then projects that picture forward so you can see whether you are on track and what to do next. It covers spending, budgets, net worth, cash-flow forecasts, scenario planning and retirement projections.
Delphina uses your real income, spending, assets and pensions, then runs thousands of Monte Carlo scenarios to show the range of outcomes under different market conditions. You can change assumptions such as retirement age or a house move and see the effect on your own numbers.
Yes. You can record investment accounts and other assets held across different platforms and see a consolidated net worth in one place.
Yes. Delphina helps you plan retirement income, including sustainable withdrawal rates and tax-efficient drawdown methods, so you can see how long your money is likely to last.
Yes. You can share access via Settings, Sharing. For couples planning together, Household mode in Settings models both partners' state pensions in your projections.
No. Delphina provides financial guidance and tools, not regulated financial advice. It helps you understand your options; it does not make personal recommendations or arrange financial products.