Float vs onbalance

Float turns data from connected accounting software into rolling cash flow forecasts for finance teams. It offers weekly and 13-week views, plus monthly forecasts that extend up to three years on Growth and Scale. Users can adjust income and costs, model scenarios and estimate new-hire costs before committing. Float shows invoices and bills with expected payment dates based on when clients actually pay. Its current accounting integrations are Xero and QuickBooks Online; a direct Sage Intacct connection is described as coming soon. Float does not connect directly to banks: bank transaction data comes through the connected accounting platform. Data syncs every 24 hours, with manual sync also available. Teams can comment on budget lines, invoices, bills and payments, tag colleagues and receive mention notifications. Admin, Editor and Viewer roles govern access. Float lists encryption in transit and at rest, multi-factor authentication, role-based access and independent auditing to the UK government-backed Cyber Essentials standard. The web service has no free plan; pricing starts at $105/mo (annual), with a 14-day trial. Essentials forecasts up to 12 months; Growth and Scale cover 36 months.

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.