SelfCapsule Finance vs FlowWise

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.

FlowWise turns your M-Pesa activity into a real budget — without you typing a single transaction. HOW IT WORKS The moment an M-Pesa SMS arrives, FlowWise reads it, extracts the amount, merchant, and category, and logs it automatically. No manual entry, no spreadsheets — just an accurate picture of your money as it happens. BUILT FOR HOW KENYANS ACTUALLY SPEND - M-Pesa auto-logging — zero typing, every transaction captured the moment it lands - Budgets that work — weekly, monthly, or yearly limits per category, with alerts before you overspend - AI financial coach — ask anything about your money and get personalised advice powered by Claude - Debt tracker — see what Fuliza, bank loans, and SACCOs actually cost you, and plan your payoff - Savings goals — set targets and track progress toward what matters: rent, school fees, a phone, land - Bills calendar — never miss rent or KPLC again - Group budgets — split and track spending with your Chama, family, or roommates - Financial Health Score — a single number that tells you where you stand and what to fix YOUR DATA, YOUR STORY All financial data is encrypted in transit and at rest. FlowWise never sells your information, and you're always in control of what gets tracked. Start free — upgrade anytime for unlimited transactions, AI chats, and group budgets. Terms of Use (EULA): https://www.flowwise.co.ke/terms Privacy Policy: https://www.flowwise.co.ke/privacy