Compare SelfCapsule
Each comparison sets SelfCapsule next to another budgeting app on where your data lives, whether it needs your bank login, and what it costs over time.
SelfCapsule vs YNAB
The same zero-based, envelope method. YNAB costs $109 a year and its default flow links your bank through Plaid; SelfCapsule is $29 once, never asks for a bank login, and keeps your data on your device.
Read the comparisonSelfCapsule vs Actual Budget
Both are local-first. Actual Budget is free, open source, and syncs through a server you host; SelfCapsule runs no server, encrypts its database on your device, and has iPhone and iPad apps.
Read the comparisonSelfCapsule vs Goodbudget
Both do envelope budgeting. Goodbudget stores your budget on its servers so a household can share it, with Premium at $80 a year; SelfCapsule keeps it on your device, with no account, for $29 once.
Read the comparisonSelfCapsule vs Copilot Money
Copilot Money links US bank accounts and costs $109 a year; SelfCapsule never links a bank, keeps your data on your device, and is $29 once.
Read the comparisonSelfCapsule vs Monarch
Monarch links your accounts through Plaid, Finicity, and MX, with Core at $99.99 a year; SelfCapsule never links a bank, runs its AI on your device, and is $29 once.
Read the comparisonMonarch vs Copilot Money
Both Monarch and Copilot link your bank and charge a yearly subscription; Monarch covers the US and Canada, Copilot is US-only. SelfCapsule keeps your data on your device with no bank login and costs $29 once.
Read the comparison