Bankflow From $14.99/mo · Free plan 9.4 Visit onbalance
onbalance.app
What it is
onbalance is a cash flow planning and finance tracking app for solopreneurs and small businesses, available on Android and iOS. It displays future balances to help users identify cash flow gaps. Users can organize multiple projects, accounts, and categories, or start tracking without setting them up first; the app can also cover multiple businesses in one place. It supports fiat and crypto accounts and transactions, including conversions and transfers using near real-time exchange rates. onbalance describes confidential collaboration with business partners and teammates, and says the app works offline with background synchronization when devices reconnect. The maker’s whitepaper says organization data is encrypted on the device using AES-256-GCM, while the server holds encrypted data and key containers. It says master passwords, private keys, and recovery phrases are not sent to the server. Users receive a 12-word recovery phrase, and the maker says a full data export is available at any time. The product has no external connections or integrations. The homepage describes it as free, with no paid tiers or plan limits stated.
Spec sheet
- Purpose
- OnBalance is a cash flow planning app for solopreneurs and family businesses.Read 9 Oct 2026 · onbalance.app
- Audience
- The maker lists freelancers, marketplace sellers, photographers, real estate agents, and repair and construction teams among its intended users.Read 9 Oct 2026 · onbalance.app
- Integrations
- The maker says the product has no external connections; it does not list integrations on the homepage.Read 9 Oct 2026 · onbalance.app
- Support
- The homepage lists [email protected] for contact and links to a Discord community.Read 9 Oct 2026 · onbalance.app
- Headquarters
- San Francisco, USARead 28 Sep 2026 · onbalance.app
- Company
- The site identifies the maker as SmartHead LLC in San Francisco, USA.Read 9 Oct 2026 · onbalance.app
- Collaboration
- The product describes confidential collaboration with business partners and teammates.Read 8 Oct 2026 · onbalance.app
- Currencies
- It supports tracking fiat and crypto transactions, conversions, and transfers with near real-time exchange rates.Read 9 Oct 2026 · onbalance.app
- Data export
- The maker says users can get a full export of their data anytime.Read 8 Oct 2026 · onbalance.app
- Encryption
- The security whitepaper says organization data is encrypted locally with a key that never leaves the device in plaintext.Read 9 Oct 2026 · onbalance.app
- Export
- The homepage says users can get a full export of their data at any time.Read 9 Oct 2026 · onbalance.app
- Forecasting
- It shows future balances and cash flow gaps to help users plan ahead.Read 9 Oct 2026 · onbalance.app
- Multiple ventures
- The app supports tracking multiple businesses in one place.Read 8 Oct 2026 · onbalance.app
- Offline use
- The app performs data operations locally and remains functional without an internet connection.Read 9 Oct 2026 · onbalance.app
- Organization
- Users can create multiple projects, accounts, and categories, or start tracking without setup.Read 9 Oct 2026 · onbalance.app
- Recovery
- The whitepaper says users receive a 12-word recovery phrase that can be used to restore access.Read 9 Oct 2026 · onbalance.app
- Server data
- The whitepaper says the server stores encrypted data and key containers, while the master password, private keys, and recovery phrases are never transmitted to it.Read 9 Oct 2026 · onbalance.app
Plans and prices
onbalance Free Homepage describes the app as free; no paid tiers or plan limits are stated Read 9 Oct 2026 · onbalance.app
Strong points and limits
Strong points
- Shows future balances and potential cash flow gaps.
- Tracks multiple businesses in one place.
- Supports fiat and crypto accounts and transfers.
- Offline use with background synchronization.
- Full data export is available anytime.
Limits
- Available only on Android and iOS.
- No external connections or integrations.
- Bank synchronization is not supported.
Who it suits
onbalance is aimed at freelancers and small businesses that need to plan cash flow, track multiple ventures, or work with fiat and crypto accounts. Its listed audiences also include creators, service teams, event businesses, and marketplace sellers.
Verdict
onbalance combines cash flow planning with multi-business and multi-currency tracking, and its maker describes device-side encryption and recovery options. It is free, but it does not connect to external services or banks.
Where Specifiction places it
- Cash Flow Management Software#13 of 297.7
