onbalance

OnBalance is a mobile cash-flow planning and finance tracking app for freelancers and small businesses. It suits owners managing several ventures or a mix of fiat and crypto activity who are willing to keep records up to date themselves. Its strongest case is flexible, offline tracking with forecasts; the trade-off is the lack of bank syncing and integrations.

Overview

OnBalance combines transaction tracking with future-balance forecasts that help users spot cash-flow gaps. Users can begin without configuring a structure, then organize activity across multiple projects, accounts, and categories as their needs grow. That range makes it workable for a solo operator and for a small business tracking more than one venture.

Support for fiat and crypto accounts, transactions, conversions, and transfers, with near-real-time exchange rates, is a distinctive practical advantage for businesses handling both. The app also describes confidential collaboration with partners and teammates. But without bank synchronization or external integrations, users need to enter and maintain their records within the app. That is a poor fit for high transaction volumes or anyone who expects their accounts to update automatically.

Key features

Planning and organization

Future balances and cash-flow gap indicators help users look ahead to upcoming needs, rather than only review past activity. Multiple projects, accounts, and categories can keep separate businesses and types of spending distinct. Starting without setup lowers the initial effort, while the organizational options support more structured tracking later.

Currency support and offline access

OnBalance handles fiat and crypto transactions, conversions, and transfers, using near-real-time exchange rates. That suits owners whose business finances cross currency types. Offline use and background synchronization between devices when connected also let users keep working without a continuous connection.

Privacy and data control

The maker’s whitepaper says organization data is encrypted on the device with AES-256-GCM, while servers store encrypted data and key containers. It says the master password, private keys, and recovery phrases are not sent to the server. Users receive a 12-word recovery phrase to restore access without a third party, so safeguarding that phrase matters. A full data export is available at any time, which gives users a way to take their records with them.

Pricing

OnBalance is free. The onbalance plan costs nothing. There are no paid tiers or plan limits stated, so it is a straightforward option for cost-conscious users who need the described tracking and forecasting features. No seat or transaction quota is stated. The main cost in practice is the work of keeping records current without bank syncing.

Platforms

OnBalance is available on Android and iOS. Offline use with background synchronization between devices when connected can help mobile users record activity away from a reliable connection.

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 especially suited to owners who need to track multiple businesses or combine crypto and fiat activity in one place. It is less suitable for anyone who relies on automatic bank feeds or connections to other services.

Pros and cons

• Pros: Free access and support for multiple projects and businesses make it useful for owners organizing several ventures without paying for the app.
• Pros: Fiat and crypto transactions, conversions, and transfers cover mixed-currency activity.
• Pros: Forecasts, offline operation, and full data export support planning and ongoing access to records.
• Cons: No bank synchronization means users must maintain their own transaction records.
• Cons: No external integrations limits its fit for workflows that depend on exchanging data with other software.

Alternatives

Cash Flow Management Software is a useful place to compare other tools in the category. Choose Caflou if web or API access matters alongside Android and iOS; its free Turtle plan is available free of charge. Cash Pocket is another free option with Android, iOS, and web support, but the supplied facts do not establish how its features compare with OnBalance.

Bankflow may suit readers looking for a web or API option with credit-based plans: its Free plan costs nothing for 50 credits, billed as a one-time purchase, and its Starter plan is $14.99 a month for 300 credits a month. Bokeping is worth considering for a web or API workflow that needs sales and purchase records, CSV bank import, financial statements, or accountant access; its free plan covers one user and 20 of each record type per month.

Trezy offers web access, one bank account, cash-flow tracking, transaction history, AI categorization, and email support on its free plan, making it a better match for someone prioritizing bank-connected tracking. BankSummary has a web free plan capped at two accounts. Cashvue is a web-based free option while it is in public beta. Finoya may fit accountants and fractional CFOs looking for self-hosted or web access and a multi-client dashboard; its listed plan is $39 a month per client, with the first five clients free for life.

Verdict

Choose OnBalance if you want free mobile cash-flow tracking across multiple projects or businesses, especially when you handle both crypto and fiat and value offline access. Its forecasts and flexible organization are useful strengths, but the lack of bank synchronization and integrations makes it a weaker choice when automatic data capture or connected workflows are essential.