Caflou vs onbalance

Caflou is an online business management system for projects, teams, finances, customer relationships, and company activities. Project tools include work breakdown structures, Gantt charts, Kanban boards, budgets, and income and expense tracking. Finance features cover invoicing, cash-flow planning, bank payment imports, financial reports, bank synchronization, and views of cash position and inflows and outflows. Users can build rule-based automations without programming, while Caflou AI can extract data from received invoices. Listed integrations include Gmail, Outlook, Google Calendar, Google Drive, OneDrive, Dropbox, PayPal, Stripe, and Make; accounting connections include QuickBooks, Xero, Zoho Books, and FreshBooks. WooCommerce is import-only. Caflou publishes API v1 documentation with bearer-token authentication. It is available on web, Android, and iOS, with an API also listed as a platform. Caflou says it uses HTTPS, encrypts passwords, offers optional two-step authentication, and makes backups at least daily. It offers a free plan and describes its audience as companies with 1–100 people.

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.