# onbalance: cash flow tracker — Private finance for business

> Private finance for business (iPhone/iPad app by SmartHead LLC.)

- Source: https://appshunter.io/ios/app/onbalance-cash-flow-tracker/id6748141364 (this page in markdown: same URL + `.md`)
- Developer: [SmartHead LLC](https://appshunter.io/developer/1778196686)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 15.0 · 36 MB
- Languages: American English, Russian
- Released: 2025-08-14
- Data updated: 2026-09-12
- User reviews in markdown: https://appshunter.io/ios/app/onbalance-cash-flow-tracker/id6748141364/reviews.md

## What is onbalance?

Finance tracking that doesn’t track you.

onbalance is a free finance tracker and cash flow planning app specifically designed for solopreneurs and small business owners who value privacy, simplicity, and freedom.

— Privacy by Design
We took this seriously — applied best practices from password managers and crypto wallets. 
End-to-end encryption. No tracking. No external integrations or data sharing. 
Absolutely no one (including our team) can access your information without your key.
Imagine a password manager's level of security and confidentiality, but tailored specifically for your financial operations.

— Offline-First & Mobile-Native
Always accessible, always reliable — your data is available wherever you are, even without an internet connection.
Built for on-the-go mobile use, ensuring seamless speed and usability.

— Flexible Financial Management
Whether you drive multiple ventures, handle various projects, work with different currencies (including crypto), onbalance adapts effortlessly. 
Want simplicity and speed? You can skip details entirely and just log transaction sums without mandatory inputs.

— Insightful Cash Flow Planning
Visualize your future balances, spot potential gaps early, and make confident decisions—without the accounting jargon or clutter.

Built especially for small business owners and solopreneurs like:
— Freelancers & content creators
— Real estate agents & event planners
— Artisans & marketplace sellers
— Repair & construction teams

Join our Discord community to participate in development, bring your ideas of an ideal finance management app for small ventures, or simply chat with the community about entrepreneurship and finance management topics: https://discord.com/invite/fbwf5MYJap


## Version history (last 5 releases)

### 2.1.1 — 2026-09-03

• Minor improvements and bug fixes.

### 2.1.0 — 2026-07-08

• When creating an organization, you can now set up transaction categories right away and choose from suggested options.
• Small interface improvements and bug fixes.

### 2.0.0 — 2026-05-28

Shared organization access.

You can now invite people to your organization and work together. Send an invite link to the people you want to add, then approve their join requests.
Your data is still protected with end-to-end encryption: only organization members can access it.
To make it easier for others to recognize you in the organization, you can now add a profile photo.

### 1.5.1 — 2026-05-06

Minor improvements and bug fixes.

### 1.5.0 — 2026-04-23

This update makes charts clearer and easier to use.

• The balance chart now adapts better to the visible area, with vertical scaling, clearer value display at a given point, and improved readability when there is less data.
• The income and expense chart in transactions now also scales vertically and lets you view values at any point on the chart.

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## Related topics

[financeflow tracker](https://appshunter.io/ios/topics/financeflow-tracker) · [finance tracker business](https://appshunter.io/ios/topics/finance-tracker-business)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-12.*