Cash Flow Frog vs onbalance

Cash Flow Frog connects to accounting data to build rolling cash flow forecasts up to 36 months ahead. Users can view forecasts by day, week, month, or quarter and create what-if scenarios using reconciled bank balances, outstanding invoices and bills, and projections. Reporting includes cash flow statements, planned-versus-actual comparisons, and consolidation across multiple entities. Listed integrations include QuickBooks Online and Desktop, Xero, Sage Intacct, Odoo, Zoho Books, FreshBooks, Plaid, Excel import, and Zapier. Its MCP server allows compatible assistants such as Claude, ChatGPT, Copilot, and Gemini to access live forecasts, add projections, or run scenarios. The Trust Center states that the service is ISO 27001 certified and GDPR compliant, encrypts data in transit and at rest, and supports two-factor authentication. The maker says it is for small and mid-sized businesses and the accountants and bookkeepers who advise them. The product is web-based, has no free plan, and starts at $55.00 per month. A 14-day trial and 30-day money-back guarantee are offered. The maker says it does not replace accounting software or provide a full enterprise-scale FP&A platform.

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.