Graphical-Budget-Planner (Github)

Free open-source desktop app that projects your cash balance from planned income and expenses.

Research-based review, not hands-on testing. Last researched 2026-10-14.

Overview

Graphical Budget Planner (GBP) is a free Qt desktop app licensed under AGPL-3.0 that forecasts cash balance up to 100 years ahead from recurring and irregular income and expense definitions, with optional inflation and growth patterns. It offers analysis such as relative weight, monthly and yearly reports, and a heatmap. It works offline and deliberately does not track past transactions.

Best for: Planners who want long-range cash flow projections kept in local files, on Linux or Windows.

Pros

Free and open source under AGPL-3.0; vendor says it does not connect to the internet
Scenario files use open JSON and results export to CSV
Projects cash balance up to 100 years ahead with optional inflation and growth patterns
Analysis includes relative-weight views, monthly and yearly reports, and a heatmap
Latest public release is 1.8.2 (October 2026), with fixes to calculation edge cases and recurring payment dates

Cons

Does not track past income or spending; forecasting only
No bank sync or transaction import
Desktop only, mainly built for Linux; Windows build provided, no macOS build
Needs a mouse and a screen of about 1650x1080
Small community (7 GitHub stars), English and French only

Features

Envelope budgeting not included
Automatic bank sync not included
Manual transaction entry included
Goal tracking not confirmed not confirmed
Debt payoff tools not confirmed not confirmed
Investment tracking not confirmed not confirmed
Bill reminders not confirmed not confirmed
Reports & charts included
Multi-currency not confirmed not confirmed
Shared / household budgets not confirmed not confirmed
Separate logins for shared budgets not confirmed not confirmed

Cash balance forecast, irregular/periodic streams, inflation, growth, tags, present-value discounting, analysis charts

Our review

Short version

Graphical Budget Planner (GBP) is a free Qt desktop app under AGPL-3.0 for forecasting future cash balance from recurring and irregular income and expense definitions. It can model inflation and growth, and provides relative-weight analysis, monthly and yearly reports, and a heatmap. It deliberately does not track past transactions. The latest public release, 1.8.2, fixes edge-case calculations and payment-date handling.

Quick profile, not a full review. Research is based on vendor documentation and public sources, not hands-on use. No account, trial or bank connection was used.

Cost

Free and open source (AGPL-3.0); no paid plan is listed in the vendor repository.

Platform and privacy

The vendor documents Linux and Windows releases and says the app does not connect to the internet. Scenarios are stored in open JSON; results can be exported to CSV. A mouse and a screen resolution of about 1650 × 1080 or higher are required according to the README.

What is distinct

This is a forward-looking cash-balance forecast, not a ledger for reviewing past spending. It can project up to 100 years and model irregular events, inflation and growth.

Not confirmed

Product launch year; multi-currency support; goal tracking; bill reminders. No iOS or Android app was found in the vendor's current documentation.

Notes

The vendor's GitHub README and release history show version 1.8.2 dated October 5, 2026, including fixes to calculation edge cases, recurring payment dates and present-value calculations. The repository lists 7 GitHub stars; that is a small signal, not a broad user-review base.

Ratings are set separately against a shared rubric.