onbalance is a privacy-focused cash flow planning app designed for solopreneurs, family businesses, and small ventures that prioritize confidentiality and ease of use. The platform addresses the need for secure, accessible financial management by implementing on-device end-to-end encryption, ensuring that only users with the device and proper authentication can access financial data. No external connections, tracking, or AI are involved, and even the development team cannot access user information, aligning with the app’s privacy-by-design philosophy.
The app is delivered as a native mobile experience, emphasizing offline-first operation so that all data remains on the user’s device and is immediately accessible. Fast and secure background sync is available, and users can export their data at any time. The interface is designed for speed and convenience, allowing users to log transactions quickly with minimal required input—only the sum is necessary, and additional details are optional. Users can create multiple projects, accounts, and categories, and add smileys for quick recognition or keep their setup simple for immediate use.
onbalance supports tracking finances across both fiat and cryptocurrencies, with near real-time exchange rates for conversions and transfers. The app also accommodates multiple business streams, making it suitable for users managing several ventures at once. Collaboration features enable confidential, on-the-go financial management with business partners and teammates. The tool provides actionable insights by helping users look ahead to future balances and spot cash flow gaps, without relying on accounting jargon or complex workflows.
The app is offered for free, with a stated commitment to privacy and simplicity. It is intended for a wide range of small business operators, including content producers, real estate agents, repair teams, creators, event producers, florists, freelancers, decorators, photographers, and marketplace sellers. onbalance is developed by SmartHead LLC, based in San Francisco, USA.
onbalance sits in PulseGate's Lifestyle & Personal category. It helps solopreneurs and small businesses privately track and plan cash flow without compromising data privacy. It is built as a B2B product for solopreneurs and small business owners. The product is available for free. onbalance is available on the web, iOS, and Android.
It is developed by SmartHead LLC (United States), and the product first shipped in 2025. Key capabilities include cash flow tracking, offline mode, and end-to-end encryption.
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