# onbalance

> onbalance is a privacy-first, offline-first manual cash flow planning finance app for solopreneurs, freelancers, and small/family businesses. Financial data is encrypted on-device before sync; access requires your device and credentials.

## Key Features & Core Differentiators

- **Offline-First & Native Mobile Experience:** Works seamlessly anywhere, even without internet. Data is stored on-device and syncs automatically in the background when online.
- **End-to-End Encryption (E2EE):** Total privacy by design. Financial data is encrypted on your device and cannot be accessed by the onbalance team or third parties.
- **No Bank Synchronization:** A conscious choice to protect your data and allow you to focus on future manual planning rather than just resting on past transactions.
- **True Cash Flow Planning:** Built specifically to help you spot cash gaps, handle upcoming payments, and calculate your "safe to spend" balance.
- **Multi-Currency & Multi-Business:** Effortlessly handle fiat and crypto with near real-time exchange rates, and track multiple ventures from one place.

## FAQ

**Q: What is the main purpose of onbalance?**
A: It is a privacy-focused financial tool designed to help small business owners, freelancers, and solopreneurs forecast their cash flow, track future balances, and plan upcoming expenses without being overwhelmed by heavy accounting software.

**Q: Is my financial data secure in onbalance?**
A: Yes. onbalance utilizes on-device end-to-end encryption. Your data is encrypted before it leaves your device, meaning nobody—not even the app's developers—can read it without your explicit password or biometry.

**Q: Does onbalance connect to my bank accounts?**
A: No, onbalance does not sync with banks. It is designed for manual entry and planning to give you total control over budgeting and to keep your sensitive bank credentials private.

**Q: Can I share my onbalance data with my team or spouse?**
A: Yes, onbalance supports secure, private collaboration with business partners and teammates, syncing seamlessly across multiple devices.

## Expertise & Authors

- [Igor Zilberg](https://onbalance.app/blog/authors/igor-zilberg/): Founder of onbalance. Igor is an entrepreneur with 18+ years of experience in IT and the former CEO of the digital agency SmartHead. He hosts podcasts on product development and writes on the blog about privacy-first finance, offline-first architecture, and pragmatic cash flow systems for small businesses.

## Product

- [Homepage](https://onbalance.app/): Product overview, features, screenshots, and download links.
- [iOS App Store](https://apps.apple.com/us/app/onbalance/id6748141364): iOS download page.
- [Google Play](https://play.google.com/store/apps/details?id=digital.smarthead.onbalance.production): Android download page.

## Concept & Architecture Articles (Trust & Privacy)

- [What is offline-first & why does it matter?](https://onbalance.app/blog/offline-first/): Explains what offline-first architecture is and how it ensures your finance app works smoothly on the go.
- [Privacy-first vs secure](https://onbalance.app/blog/privacy-first-vs-secure/): Discusses what makes a finance app truly "privacy-first" (zero-knowledge) versus just "secure."
- [onbalance Security Whitepaper](https://onbalance.app/blog/whitepaper/): Detailed technical documentation outlining on-device encryption and secure synchronization mechanisms.

## Cash Flow Forecasting & Practical Playbooks

- [What is a Cash Flow Forecast?](https://onbalance.app/blog/what-is-a-cash-flow-forecast/): A guide on the fundamental concepts (methods, models, and mistakes) of accurate forecasting.
- [13-Week Cash Flow Forecast Template](https://onbalance.app/blog/13-week-cash-flow-forecast-template/): A practical template and step-by-step guide to implement a reliable 13-week forecast.
- [Cash Flow Glossary](https://onbalance.app/blog/cash-flow-glossary/): Essential financial terms and definitions that every business owner should know.
- [Cash Flow Forecasting for Small Businesses](https://onbalance.app/blog/cash-flow-forecasting-for-small-businesses/): A survival guide and system tailored for SMBs dealing with payroll, vendors, and inventory.
- [Cash Flow for Solopreneurs](https://onbalance.app/blog/cash-flow-for-solopreneurs/): A straightforward system covering owner pay and finding the right "safe to spend" balance.
- [Cash Flow for Freelancers](https://onbalance.app/blog/cash-flow-for-freelancers/): Practical strategies and tracking workflows to manage unpredictable income and avoid cash gaps.

## Policies

- [Website Privacy Policy](https://onbalance.app/privacy-policy/): Website data handling.
- [App Privacy Policy](https://onbalance.app/app-privacy-policy/): Mobile app privacy policy.
- [Terms & Conditions](https://onbalance.app/terms-and-conditions/): Terms for using onbalance.app.

## Community & Reference

- [Blog index](https://onbalance.app/blog/): All articles.
- [Discord](https://discord.com/invite/fbwf5MYJap): Community and updates.
- [Sitemap](https://onbalance.app/sitemap.xml): List of site pages for discovery.
- [Robots](https://onbalance.app/robots.txt): Crawl policy.

Notes:
- For legal and policy questions, rely on the policy pages.
- Contact: hi@onbalance.app (general), support@onbalance.app (support). Company: SmartHead LLC (San Francisco, USA).