onbalance

Free#28 of 29 in Cash Flow Management Software

onbalance: A free mobile app for tracking cash flow across businesses, accounts and currencies. Ranked #28 of 29 in Cash Flow Management Software by our editors (6.5/10); pricing: Free plan; best for solo users tracking multiple businesses offline.

6.5/10★★★☆☆Editor score

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At a glance

• Editor score
  6.5 / 10
• Pricing
  Free plan
• Best for
  Solo users tracking multiple businesses offline
• Free plan
  Yes
• Paid from
  Free
• Facts checked
  23 Sep 2026

• Where it wins

  • Tracks future balances to help spot potential cash flow gaps
  • Supports multiple businesses, fiat currencies and cryptocurrency
  • Works offline, with on-device data and background sync

• Where it doesn't

  • No bank synchronization or external integrations
  • Mobile-only, with iOS and Android apps
  • Forecasting scenarios are not listed

Our verdict on onbalance

For solopreneurs and small business owners keeping track of cash flow across more than one business, onbalance brings transaction recording and balance planning into a mobile app. Users can organize finances by projects, accounts and categories, then view future balances to identify potential cash flow gaps. It supports fiat and cryptocurrency currencies, along with conversions and transfers, and includes collaboration for business partners and teammates. The vendor describes the app as free and offers it on iOS and Android.

Its strongest fit is for people who want a portable ledger that remains usable offline. Data is stored on the device, with background sync when connectivity returns; the vendor says data is encrypted during sync. Users can export financial data, and multiple businesses can be tracked in the same app. These capabilities suit owners who need a view across separate business finances, or who work where connectivity is intermittent. The mobile-only format is less suited to teams seeking a desktop finance workflow.

The product takes a self-managed approach to financial inputs: bank synchronization and external integrations are not indicated, so transactions need to be recorded in the app rather than pulled in through connected services. That limitation may matter to buyers who prioritize automated account feeds or a broader software ecosystem. The vendor lists email and community support channels. Choose onbalance if offline access, multiple businesses and currency tracking matter more than bank connections; consider another option if automatic bank sync or integrations are central to your process.

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onbalance pricing

onbalance fact sheet

Alternatives to onbalance

• AgicapA broad treasury platform for complex, multi-entity cash management.9.3
• StatementA strong fit for global finance teams managing cash across banks, entities, and ERPs.9.1
• AtlarA broad treasury platform for enterprise cash visibility, liquidity, payments, and risk workflows.9.0

See all onbalance alternatives →

Featured on iTechGuides

onbalance is listed in our Cash Flow Management Software directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Last updated 7 Oct 2026 · How we research and update