Family Office vs Delphina

We make Family Office. Every fact about another app here comes from its own public pages, linked below and dated; where those pages do not say, the cell is blank. Family Office's column comes from its own code.

Who Delphina suits

Delphina calls itself the UK's personal financial clarity platform: forecasts and goals for UK households, with ISAs, SIPPs and UK tax built in.

Side by side

Feature	Family Office (ours)	Delphina
UK tax	Income tax with Scotland's own bands, capital gains tax and dividend tax, year by year in the plan, and inheritance tax on the estate it leaves	ISAs, SIPPs and UK tax built in; tax planning marked as coming soon on Investor
Other countries	122 tax regimes in 34 countries; a move from one to another in the plan on Premium and up
Monte Carlo	The chance of success on every plan, the Free plan included; the paths and the fan chart on Gold and Platinum	On Investor
Companies and trusts	On Platinum: any number of companies, sole traders, partnerships or trusts, beside the household
Property	Homes and rentals with their mortgages, purchases and sales: 1 on Free, 3 on Premium, no limit on Gold and Platinum	House purchase planning
Pensions	SIPP, ISA, Lifetime ISA, Junior ISA and State Pension; other pension income as an annuity	ISAs and SIPPs built in
Bank links	None yet; Plaid links work in other countries only (Canada and United States)	None: Delphina has no link to your bank
Free plan	Yes, with no card and no time limit: up to 8 items, one taxpayer and a projection of 5 periods. The paid plans start with 14 days free, card needed. The calculators are free, with no account.	Yes, with no time limit and no card: a 5-year forecast, up to five assets, one portfolio, no data export
Price	£12 to £49 a month ($15 to $59, CA$20 to CA$79); a year costs the price of 10 months	Wealth Builder GBP 9.99 a month, Investor GBP 19.99 a month
Where data is kept	Amazon Web Services in London (eu-west-2); bank links (Plaid), payments (Stripe) and maps (Google) through US providers; e-mail through Google Workspace; see the privacy policy for the full list	EU: AWS in Dublin and Hetzner in Nuremberg
Export	The whole plan as a file you can import again, on every plan; the report printed to PDF on the paid plans; budget transactions as CSV	CSV on Investor

A blank cell: Delphina's public pages did not say.

When Delphina is the better choice

You want a free plan with no time limit and no card.
You want your data kept in the European Union: AWS in Dublin and Hetzner in Nuremberg.

When Family Office is the better choice

You want UK tax worked out in the plan: income tax with Scotland's bands, capital gains and dividends year by year, and inheritance tax on the estate the plan leaves.
Your life spans more than one country: 122 tax regimes in 34 countries, and a move from one to another in the plan (Premium and up).
You own a company, a partnership or a trust: Platinum keeps any number of them beside the household.

Sources

Facts about other apps checked on 2026-11-10. Prices and features change: each app's own page is the reference.

Other comparisons

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