Growth · alternatives · 2026

24 alternatives to onbalance

Hey! onbalance is maturing. The new 2.0 version brings multiuser access to organizations. And it's still free with no limitations or ads! Also, a technical security whitepaper was released alongside a few other articles on privacy, offline-first, and cash flow planning concepts. Find it on Google Play and App Store.

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.

1. 1
   Cashews: Ultimate Personal Finance App▲364

   Say goodbye to financial anxiety

   2023 · cashews.finance · its alternatives →

2. 2
   Cashews for iOS & Android ▲228

   Smart no-budgeting app that knows what's safe to spend

   2022 · cashews.finance · its alternatives →

3. 3
   TopHat Finance – free, open, and offline▲104

   TopHat Finance - an in-browser personal finances app

   2022 · athenodoros.github.io · its alternatives →

4. 4
   Balance Pro▲122

   Manage your money & track your spending

   2023 · balancepro.money · its alternatives →

5. 5
   8udget▲97

   Budget, invest & track finances - works offline

   Jan 2026 · 8udget.my · its alternatives →

6. 6
   Monse▲104

   Privacy-friendly personal finance application

   2023 · its alternatives →

7. 7
   Money Flow▲71

   The best personal finance app

   2021 · play.google.com · its alternatives →

8. 8
   A simple FOSS and self-hosted budgeting app▲88

   2020 · github.com · its alternatives →

9. 9
   Vaultr▲82

   Personal finance app built for young professionals

   Apr 2026 · vaultr-app.org · its alternatives →

10. 10
    Cashvue▲76

    Agile Finance: Cash flow prediction & management platform

    2018 · cashvue.com · its alternatives →

11. 11
    Stated▲78

    Privacy-first AI finance tracker

    Apr 2026 · statedmoney.com · its alternatives →

12. 12
    The Dobot app▲63

    The personal finance app for advice, planning, and saving

    2019 · its alternatives →

13. 13
    SiBalance▲3

    Built for people who want control. Not bank connections.

    Jun 2026 · apps.apple.com · its alternatives →

14. 14
    SpendFlow▲2

    Free privacy-first personal finance app | no bank connection

    Dec 2025 · spendflow.uk · its alternatives →

15. 15
    Peak Cashflow Beta▲23

    Free lean cashflow management for Mac for freelancers & SMBs

    2025 · account.peak-atlas.io · its alternatives →

16. 16
    MoneyTool▲21

    No logins. No ads. Just clarity.

    2025 · themoneytool.com · its alternatives →

17. 17
    CashFlow: Expense Tracker▲1

    The world’s simplest, 100% offline expense tracker

    Jul 2026 · play.google.com · its alternatives →

18. 18
    BalanceTrackr▲11

    Track your money. No ads, no subscriptions, just clarity

    2025 · balancetrackr.com · its alternatives →

19. 19
    Wageso▲5

    Take control of your finances with privacy-first tracking

    Nov 2025 · wageso.com · its alternatives →

20. 20
    Nabiu▲6

    Simple, secure, offline-first finance tool

    2025 · its alternatives →

21. 21
    Xpenses▲6

    Privacy-focused finance tracking app

    2025 · puppybyte.dev · its alternatives →

22. 22
    MySimpleFinance▲11

    A simple finance app for tracking your income and expenses

    2025 · its alternatives →

23. 23
    BYB (BuildYourBudget)▲7

    Hey guys, I built an app that follows the envelope budgeting philosophy like YNAB and with beautiful expense breakdown displayed in sankey, line, bar charts. It also tracks your crypto wallet (BTC & ERC20), bank connections through Plaid and brokerage accounts through SnapTrade. Create unlimited categories, cash/loan/credit accounts and start budgeting at https://buildyourbudget.com/

    Nov 2025 · buildyourbudget.com · its alternatives →

24. 24
    Wallet Wise App▲14

    Your Personal Finance Companion

    2024 · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →