onbalance

onbalance is a cash flow planning and finance tracking app for solopreneurs and small businesses, available on Android and iOS. It projects future balances to help users identify cash flow gaps. Users can track several businesses together and organize activity with multiple projects, accounts, and categories—or start without setting up those structures. The app supports fiat and crypto accounts, transactions, conversions, and transfers, using near real-time exchange rates. It also describes confidential collaboration with business partners and teammates, offline use, and background synchronization between devices when connected. The maker says there are no external connections or integrations, and that users can export their data at any time. Its whitepaper describes on-device AES-256-GCM encryption and encrypted server storage; it says master passwords, private keys, and recovery phrases are not sent to the server. Users receive a 12-word recovery phrase for restoring access. The app is free, and the maker lists freelancers, creators, service teams, and other small-business operators among its intended users.

onbalance combines cash flow forecasting, multi-business tracking, and fiat and crypto support in a free app. Its lack of external integrations and bank synchronization is worth noting for users who rely on connected financial accounts.

It suits freelancers and small-business owners who want to forecast cash flow across multiple ventures, including those handling both fiat and crypto activity. It may also suit teams seeking offline access and confidential collaboration.

OnBalance is a cash-flow planning and finance-tracking app for solopreneurs and small businesses. It is best suited to owners who want to track several ventures or handle fiat and crypto activity in one place. Forecasts and offline access add practical planning value, while the lack of bank synchronization means users must keep records current themselves.

Overview

OnBalance combines transaction tracking with forecasts of future balances and potential cash-flow gaps. Users can begin without configuring a structure, then organize activity into multiple projects, accounts, and categories as their needs grow. That makes it flexible for a solo operator, though the absence of bank feeds puts the work of entering and maintaining transactions on the user.

Support for multiple businesses lets owners keep ventures in one app. The product also handles fiat and crypto accounts, transactions, conversions, and transfers using near-real-time exchange rates. This breadth suits businesses with mixed-currency activity, but OnBalance has no external integrations, so it cannot bring data in from connected financial services.

Key features

Cash-flow forecasting and organization

Future-balance views and cash-flow gap indicators make OnBalance useful for planning upcoming needs, not just reviewing past transactions. Projects, accounts, and categories help distinguish work and spending, while the option to start without setup keeps the initial structure from becoming a barrier.

Fiat, crypto, and multiple businesses

Users can track fiat and crypto accounts and transactions, as well as conversions and transfers. Near-real-time exchange rates support that mixed-currency workflow. Multiple-business tracking is useful for owners managing more than one venture, although the app still depends on user-maintained records without bank synchronization.

Offline access, collaboration, and data protection

OnBalance says it works offline and synchronizes between devices in the background when connectivity returns. It also describes confidential collaboration with business partners and teammates. Its whitepaper says organization data is encrypted on the device with AES-256-GCM, while servers store encrypted data and key containers. The master password, private keys, and recovery phrase are not transmitted to the server; users receive a 12-word recovery phrase for restoring access without a third party. That recovery approach gives users control, but also makes safeguarding the phrase important.

Users can export their data at any time. That is a useful safeguard for owners who want a copy of their records or the option to move them elsewhere.

Pricing

OnBalance has one stated plan: onbalance: free. The app is described as free, and no paid tiers or plan limits are stated. With no bank synchronization or external integrations, the price comes with a manual recordkeeping trade-off that may matter more to businesses with frequent transactions.

Platforms

OnBalance is available on Android and iOS. Offline use and background synchronization between devices support mobile work when a connection is intermittent.

Who it's for

OnBalance is aimed at solopreneurs and small businesses, including freelancers, content producers, real estate agents, repair and construction teams, handmade creators, event producers, florists, decorators, photographers, and marketplace sellers. It is a strong fit for owners who need forecasts, multiple-business tracking, or fiat and crypto records and are comfortable maintaining transactions without bank feeds. Those who depend on connected accounts or integrations should look elsewhere.

Pros and cons

• Pros: Forecasts future balances and flags cash-flow gaps, helping owners plan ahead.
• Pros: Tracks multiple businesses alongside fiat and crypto accounts, transactions, conversions, and transfers.
• Pros: Offline access, device encryption, a recovery phrase, and full data export support continuity and user control.
• Cons: No bank synchronization or external integrations, so records require manual upkeep.
• Cons: Users must protect their 12-word recovery phrase to retain the stated independent recovery option.

Alternatives

Cash Flow Management Software is a useful starting point for comparing products in this category. Choose Caflou if a free plan and web access matter alongside Android and iOS. Cash Pocket is another free option, with Android, iOS, and web platforms. Consider Agicap if a paid subscription with a free trial suits your needs; it requires at least a 12-month subscription and is offered on an annual basis. Trezy may suit web users seeking a free plan that includes one bank account, cash-flow tracking, transaction history, AI categorization, and email support. Bankflow offers a free one-time allotment of 50 credits, roughly one per page, for users whose needs fit that quota. Bokeping offers a free-forever plan for one user with monthly record caps, CSV bank import, financial statements, and accountant access. BankSummary may fit web users who need up to two accounts on a free plan. Cashvue is free to use while it is in public beta.

Verdict

Choose OnBalance if you run a small business or several ventures and want cash-flow forecasts, flexible account organization, and fiat and crypto tracking in a free mobile app. Its clearest reason to choose it is the combination of forecasting and multi-business support; its clearest reason to look elsewhere is the lack of bank synchronization, which leaves transaction upkeep to you.