Balance

Balance (balance.cash) offers consumer financial management tools aimed at people with irregular or variable income, including gig workers, odd-job workers, tipped workers and people running side hustles. The product is positioned around the premise that independent earners view and manage money differently than salaried workers, and therefore need tools structured around paychecks, shifts and schedules rather than fixed monthly pay cycles.

The product has three described capabilities. A tracking feature keeps a running total of earnings organized by paycheck so users can confirm that all work was captured and paid on payday. A calendar view displays the user's bank balance day by day, both for the present and for future dates, incorporating recurring bills and daily transactions and updating in real time. A forecasting feature lets users run "what-if" scenarios by entering an inflow or outflow on a specific day — for example picking up an extra shift or taking time off — and projecting how their cash position changes on every subsequent day.

Business model

Balance provides a direct-to-consumer software tool that connects to a user's bank balance and transactions to deliver earnings tracking, a calendar-based balance view and cash-flow forecasting.