Cash Pocket vs onbalance

Cash Pocket helps small businesses record cash coming in and going out, then organize that activity across separate books, party ledgers and reports. Each transaction can include an amount, category, payment mode, party and notes, with the running balance updated instantly. Separate books can be kept for shops, projects or accounts, each with its own ledger and members. Customer and supplier ledgers show balances and histories, and statements can be shared. Reports can be filtered by date, category, party or payment mode and exported as PDF or CSV. Trips track shared group expenses, splitting costs equally, by exact amount or percentage, with a settle-up option. Owner, Partner, Staff and Viewer roles have different permissions for books, members and entries. The service is available on Android, iOS and web. Its Free plan is free. Cash Pocket describes itself as a record-keeping tool, not a source of accounting, tax, financial or legal advice; users must be at least 18.

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.