It appears to me that the offline calculations are incorrect. I shut the game down and timed 20 minutes. When i came back to Kongregate and started the game, i had earned 5.2 nonillion dollars, or about 260 octillion per minute. With the game open and running, however, i earn about a nonillion every minute. This seems to indicate that there's penalty of some kind while the game is closed. Is this intentional?
You have to Soft Reset to get them - check out the Settings Page!