Private, open-source budgeting in the browser with end-to-end encryption
- Zero-based
- Expense tracking
- Couples & families
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 .
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 and cons
Pros
- Free and open source under AGPL-3.0, no internet connection used
- Scenario files use open JSON and results export to CSV
- Projects balance up to 100 years ahead with optional inflation and growth patterns
- Analysis views include relative weight, monthly and yearly reports, and heatmap
- Actively maintained: releases in Dec 2025, Jun 2026 and Aug 2026
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 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.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Cost
- Free (open source, AGPL-3.0)
- Free
Not confirmed
Launch year (repo created 2025-03); Multi-currency support; Goal tracking; Bill reminders.
Notes
Vendor 'website' is the GitHub repo.
Ratings are set separately against a shared rubric.
Graphical-Budget-Planner (Github) alternatives
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