Choose the plan that fits your financial needs
Know if you're on track. See what your future looks like. Get one clear action this month.
Free
Your monthly verdict. Free forever.
Included
- Personalised insightsGet recommendations that actually understand your financial habits
- Portfolio & net worth trackingSee your complete financial picture in one place
- Smart spend categorisationAutomatically understand where your money goes
- 5 year forecastSee exactly how today's decisions impact your financial future
- Track up to five assetsGet a complete view of your financial position
Limits
- •Forecasts capped at 5 years
- •No data export
- •Single portfolio
Investor
Will you actually be okay through retirement?
Included
- Everything in Free + Wealth Builder
- 1-50+ year forecastingModel major life decisions before you commit
- Advanced Monte Carlo simulationsStress-test your plan against thousands of market scenarios
- CSV exportTake your data with you for deeper analysis
- Priority supportSkip the queue and get answers faster from our expert team
- Tax planning(Coming soon)Smart tax optimisation to maximise your savings
- Agentic Finance - connect AI agents to your financial dataLet AI assistants like Claude and ChatGPT access your financial data to help with analysis
Limits
- •Educational use only
- •Doesn't transact on your behalf
- •Single portfolio
The 12-month value guarantee
If after 12 months of following our guidance, you haven’t saved or earned more than your Delphina subscription cost, we refund every penny. Not measured against market movements.
How Delphina helps you get clear
Delphina is the UK's personal financial clarity platform. It shows you where you stand today and what to do next, based on your real numbers.
Why Delphina Exists
Know where you stand. Know what to do next.
Future-Ready Forecasting
Go beyond simple budgeting with forecasting that tests your portfolio against thousands of market scenarios. Understand exactly when you can retire, how much you can safely withdraw at the UK sustainable rate (typically 4%), and whether your current path leads to your goals.
Replace financial uncertainty with confidence.
Complete Financial Visibility
Stop juggling multiple apps and spreadsheets. Bring together your assets, investments, income, spending and goals in one unified dashboard - properly UK-categorised, easy to update, and ready to be tested against thousands of scenarios. Your complete financial picture, all in one place.
From data fragmentation to total financial clarity.
Intelligent Financial Guidance
Get expert-level insights without the expert price tag. Our smart technology analyses your complete financial situation to provide personalised recommendations on withdrawal strategies, portfolio optimisation, and wealth-building opportunities, all tailored to your specific goals and risk tolerance.
Professional guidance, personalised for you.
Compare Costs vs Traditional Advisers
See how much you could save over 20 years compared to traditional financial adviser fees.
Try Our Free Financial Tools
Not ready to subscribe? Use our free UK financial calculators to start planning your financial future today.
Frequently Asked Questions
Our system analyses your financial patterns to provide tailored insights that help you make better decisions. No generic advice - just guidance that understands your unique situation.
The UK Government is launching free AI financial advice tools, but they work from a generic snapshot of UK averages. Delphina is built around the numbers you actually give it: your assets, income, spending and goals. It runs thousands of personalised scenarios showing exactly how your future could look based on your real data. You get scenario modelling that's specific to your life, not generic guidance.
Yes, you can upgrade or downgrade your plan at any time from your account settings. Changes take effect immediately.
Absolutely. We use bank-level encryption and never share your data with third parties. You remain in complete control of your information.
Yes. Every new account gets 7 days of Investor free when you sign up, with no credit card required. After that you keep the free tier with no time limit, or upgrade whenever you're ready.
We accept all major credit and debit cards. Annual plans can be paid via bank transfer for business customers.
Yes, you can cancel your subscription at any time. There are no cancellation fees, and you'll keep access until the end of your billing period.
Unlike simple budgeting apps, Delphina provides personalised guidance that helps you plan for the future. We focus on building financial confidence through education and actionable insights, not just tracking expenses.
Absolutely. Many people find that financial decisions carry emotional weight - that's completely normal. We offer financial therapy to help you work through the emotional side of money decisions before diving into planning. It's about finding clarity through conversation, not just numbers.