onbalance review
A free mobile app for tracking cash flow across businesses, accounts and currencies.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
onbalance pros and cons
- 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
onbalance fact sheet, pricing and score →
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