# SelfCapsule Finance: Budget — Expense Tracker & Bill Planner

> Expense Tracker & Bill Planner (iPhone/iPad app by SelfCapsule.)

- Source: https://appshunter.io/ios/app/selfcapsule-finance-budget/id6764298551 (this page in markdown: same URL + `.md`)
- Developer: [SelfCapsule](https://appshunter.io/developer/1895721879)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 20 MB
- Languages: American English
- Released: 2026-08-28
- Data updated: 2026-10-08

## What is SelfCapsule Finance?

SelfCapsule Finance is a full budget and expense tracker that runs entirely on your iPhone and iPad. There is no account to create and no bank to connect. You export a statement from your own bank, import it, and keep the only copy.

WHAT YOU GET, FREE
- Unlimited accounts, transactions, and categories. No row caps
- Budgets by category and month, with rollover so unused money carries forward
- Savings goals with progress you can see
- Recurring bills, payees, tags, and split transactions
- CSV, OFX, and QFX statement import. Rows you already imported are skipped
- Spending, category, and income vs expense reports over the last 3 months
- Up to 5 automation rules, and 5 assistant questions a month
- Face ID, Touch ID, or a PIN, with auto lock when you put the phone down
- Export any filtered list of transactions to CSV, ready for a spreadsheet
- Full data export as plain JSON or an encrypted backup. Nothing is locked in
- Spotlight search, Siri Shortcuts, and two home screen widgets
- A Share extension that sends a statement straight to the importer

WHAT PRO ADDS, ONE TIME
- Reports over 6 months, a year, year to date, or any custom range
- Group by day, week, month, or year, and export any report to CSV
- Net worth over time, and budget vs actual
- Investment positions with cost basis and unrealized gains
- Unlimited rules, and an unlimited assistant

NO TYPING IN EVERY COFFEE
Import a statement and the app reads it. Rows you have already imported are skipped. The assistant sorts new transactions into your categories on device. Rules you write catch the rest, and recurring bills post themselves. Manual entry is there when you want it, not because you have to.

WHAT THE ASSISTANT ACTUALLY DOES
It reads your balances, searches your transactions, checks a budget, and totals what a category cost you. Ask what you spent on groceries last quarter and the answer is computed from your own rows, on your own hardware, using Apple Foundation Models. Nothing is sent anywhere. There is no cloud model behind it, so there is no per question cost and no separate AI subscription. The free tier includes 5 questions a month and Pro removes the cap. It needs a device that supports Apple Intelligence.

YOUR DATA, IN A FILE YOU HOLD
There is no cloud, so there is no copy but yours. Export everything whenever you like, either as plain JSON you can open and read, or sealed with a passphrase only you know. Either way it is the whole thing: every account, transaction, split, budget, goal, rule, tag, payee, and saved filter. Restore it onto a new iPhone or iPad, or just keep it somewhere safe. Nothing here holds your data hostage. The flip side is real, so it is worth saying plainly: if you never make a backup, nothing can bring your data back. That is the honest cost of having no servers.

PRIVACY, BY DESIGN
- Everything is stored on your device, protected by iOS Data Protection
- No account, no sign in, no cloud sync, no analytics, no ads, no tracking
- The App Store privacy label for this app reads Data Not Collected
- The app never sends your financial data anywhere. The only traffic it can generate is checking your purchase

PAY ONCE, NOT EVERY MONTH
The free tier is not a trial and it does not expire. Unlock Pro one time, tied to your Apple ID, restorable on every device you sign into. There is no server behind this app, which is why there is no subscription that can start charging you later, and nothing that can be switched off and taken away from you.

Export a statement from your bank tonight, and by morning your own numbers are sorted, budgeted, and yours alone. Built in Sydney by Self Capsule Pty Ltd.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Pro Lifetime | $29.00 | one-time |


## Is SelfCapsule Finance safe?

Not enough ratings yet to assess SelfCapsule Finance.

## Is SelfCapsule Finance legit?

SelfCapsule Finance: Budget has limited verification signals. The AppsHunter Legitimacy Score for SelfCapsule Finance is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 4 releases)

### 1.1.0 — 2026-10-07

A bigger update: refunds, trends, and dates you can trust.

- Refunds are now a transaction type of their own. A refund counts against what you spent instead of looking like another purchase, and editing a transaction keeps its money direction right.
- Importing is far more accurate. Money direction comes from the statement itself, refunds are detected across bank formats, and when a refund arrives the app suggests the purchase it belongs to.
- New Trends report: compare each category against the previous period and see what moved most.
- New report ranges: This Month, Last Month and Last 30 Days, compared against the same dates in the period before.
- Filter the ledger by status: All, Uncleared or Cleared. Exports match the rows you see.
- Tap an account to open its transactions. A new Dashboard card shows what still needs a category.
- Dates are calendar days everywhere. A transaction shows the day you gave it in every time zone, and month and year totals stay in the right period.
- Reports no longer show a misleading savings rate or budget percentage when a period is a net refund.
- Fixed: deleting one side of a transfer now removes both sides, a transaction can no longer be half turned into a transfer, and a bill due today reads as due today.

### 1.0.2 — 2026-09-18

Import from more banks, and from YNAB.

- CSV files that separate their columns with semicolons, tabs or pipes now import correctly, not just commas. That covers most European and Indian bank exports, and YNAB 4 register files, which are tab separated despite their .csv name.
- Amounts written in the European style, such as 1.234,56, now import correctly, as do euro, pound, yen and other currency symbols. Previously those rows were skipped without saying so.
- Statements that split money in and money out across two columns, labelled Inflow and Outflow or Credit and Debit, can now be mapped and imported.
- Spending trends no longer round a boundary figure the wrong way.

### 1.0.1 — 2026-08-29

Export your transactions to a spreadsheet, free.

- Export to CSV from the Transactions screen. The file matches the filters you have applied, so one account, a date range, or a single category exports exactly the rows you are looking at. It opens in Numbers, Excel, or Google Sheets.
- Statements shared into the app from Files or your bank now detect their own columns and date format. Previously a shared statement arrived at the column mapping step with nothing filled in and had to be mapped by hand.
- Large totals no longer overflow the ring on the category report.
- The investment allocation chart now uses the app's own colours.
- Payee and Description no longer autocorrect while you type, so merchant names stay exactly as you enter them.

### 1.0 — 2026-08-29

No release notes.

## Apps similar to SelfCapsule Finance

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Moneys – Personal Finance](https://appshunter.io/ios/app/moneys-personal-finance/id6784363523) | — | Free | Finance |
| [Budler: Budget Expense Tracker](https://appshunter.io/ios/app/budler-budget-expense-tracker/id6809284832) | — | Free | Finance |
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| [Finance Tracker - ByJo](https://appshunter.io/ios/app/finance-tracker-byjo/id6738330716) | — | Free | Finance |
| [Walletly: Expense & Budget](https://appshunter.io/ios/app/walletly-expense-and-budget/id6782506810) | — | Free | Finance |

## More apps by SelfCapsule

- [HushDare: Forbidden Words](https://appshunter.io/ios/app/hushdare-forbidden-words/id6772690116)

All apps by SelfCapsule: https://appshunter.io/developer/1895721879

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-08.*