---
title: "Compare SelfCapsule With Other Budgeting Apps | SelfCapsule"
description: "Side-by-side comparisons of SelfCapsule with other budgeting apps: where your data lives, whether a bank login is required, and what it costs."
url: "https://selfcapsule.com/vs"
image: "https://selfcapsule.com/og/default.png"
---

Compare

# 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](https://selfcapsule.com/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 comparison

[SelfCapsule vs Actual Budget](https://selfcapsule.com/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 comparison

[SelfCapsule vs Goodbudget](https://selfcapsule.com/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 comparison

[SelfCapsule vs Copilot Money](https://selfcapsule.com/vs/copilot): 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 comparison

[SelfCapsule vs Monarch](https://selfcapsule.com/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 comparison

[Monarch vs Copilot Money](https://selfcapsule.com/vs/monarch-vs-copilot): 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

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