As we've mentioned before on other posts related to personal finance and budgeting tips, creating a budget and sticking to it can be a daunting task if you don't keep your numbers nice and organized. Budgeting is very useful but can also be hard to do, much to our dismay.
However, as always, having the right tools for the job can make a huge difference. Therefore, instead of using loose sheets of paper to keep track of your savings and expenses, it's better to have a budgeting notebook where you can keep everything in one place. So, in this post, we’ll introduce 10 of the best budget planner books that will help you make controlling your finances a breeze.
Picking The Right Budget Planner For You
There isn’t a single budget planner that works for everyone and everything. Your budget planner is a tool that'll help you achieve your financial goals, so it should be customized to suit your needs.
Every budget planner on this list is a great option for people who want to have more control over their finances, but to actually find the best budget planner for you, you'll need to consider the pros and cons of each carefully.
Also, just as a heads-up, you might want to consider using a virtual mailbox if you plan to buy one of these budget planners but are travelling or otherwise have nowhere to receive the shipment for the time being.
Now, on to our top 10.
#10 Basic Budgeting Workbook
This is one of the simplest budget planners out there: it contains 198 pages total, divided into two styles of weekly budget and two styles of monthly budgeting sheets.
There are not debt tracking or goal tracking worksheets at all, so this is a great choice if you want a journal for bare-bones budget tracking and nothing else.
It’s a standard 8.5” x 11” size, which is larger than some of the other budget planners on this list. The budget workbook doesn’t have a hardcover, which makes it lightweight.
- Has the essential budgeting worksheets.
- Undated, which allows plenty of customization.
- Least expensive option.
- Great for no-frills budget tracking.
- Thinner pages make ink bleed-through possible.
- Very basic in terms of design.
- Mostly for regular budget tracking and not debt payoff.
#9 Mead Organizher Expense Tracker
If you’re looking for a large budget planner, then you might want to take a look at the Mead OrganizHer Expense Tracker.
It features 12 monthly pockets to keep all your bills and receipts in one place, and it also has two clear folders where you can keep other invoices and letters. This allows you to keep track of your savings and upcoming expenses too.
This budget planner also includes checklists, a calendar, and a plastic sheet protector. Three polymer rings keep this planner in sturdy shape and help the pages lay flat for convenience.
It’s one of the biggest budget planners on our list as well (measuring about 8.5” x 11”), so it provides ample space to write.
However, some of the pages might slip off if you're not careful when using it, and due to its size, it won't fit easily everywhere.
- Big budget planner with ample space.
- Durable cover.
- 12 monthly pockets.
- Checklists and a calendar.
- Some of the pages slip off.
- It's a bit big, so it won't fin in small spaces.
#8 Boxclever Press Budget Planner
The Boxclever Press Budget Planner features a total of 13 pockets to keep all your receipts, bills, and money. It features spacious weekly sections and big spaces for daily entries as well.
With them, you can track your income, debts, and recurring expenses to identify any patterns in your spending, which allows you to take action when needed.
This budget planner also has a special section that you can use to write down holiday spending, so it’s a great choice for anyone looking to save for Christmas and birthdays.
It has a size of 6” x 9”, meaning that it also has ample space for you to record all details of your spending and savings.
It’s worth noting that this budget planner book lacks a calendar, though. Also, the annual sheet is already filled and only has a few spaces that you can customize, which might be a bit limiting.
- 13 pockets for bills, receipts, and money.
- Holiday spending tracking.
- Extra space for recording all the details.
- It doesn’t have a calendar.
- Some sections are pre-filled.
#7 Legend Deluxe Budget Planner
The Legend Deluxe Budget Planner is a budget planner book that comes with bleed-resistant pages, meaning you don’t have to worry about the ink from your pen bleeding onto the next page as you write. Its pages are size A5 (5.5” x 8.3”).
Considering it comes with standard budgeting worksheets, this budget planner is great for beginner and seasoned budgeters alike. Additionally, it has a section for “My Financial Goals,” which many other planners have.
On these pages, you can write down what your money goals are by a certain age. This is a helpful reminder to make your financial goals more powerful while keeping you from getting discouraged as you go through the year.
This budget planner also comes with a set of budgeting stickers — however, the sticker sheet is small, so if you're a person that likes using a lot of them, you’ll probably need to buy more down the road.
- High-quality pages that won’t bleed through.
- Suitable for beginners.
- It doesn’t have categories for spending, which makes it more customizable.
- It comes with a sheet of financial stickers.
- Small in size.
- Not enough pages to write between months.
- Stickers run out quickly.
#6 Clever Fox Budget Planner Bill Organizer
The Budget Planner & Monthly Bill Organizer by Clever Fox is an 8″ x 9.5″ budgeting planner that comes with spiral-bound pages.
It's different from other Clever Fox planners because it comes with bill and receipt organizing pockets. So, instead of trying to keep track of everything on your own, you can stuff your bills and receipts into the pocket folders, so you don’t have to look for them later.
The interior pages are pretty high-quality, so you shouldn’t run into pen bleed-through issues. The pages also have colourful layouts rather than plain black and white.
The spiral binding lets the planner lay completely flat, but it's worth mentioning that such a setup occasionally allows pages to slip out of the rings.
This budget planner also includes 2 pages of stickers (192 stickers in total), and it comes with “mindset” and “goals” pages along with extensive debt and bill tracking pages.
- Large planner with more space for writing.
- Lays flat.
- It comes with pockets to hold bills and receipts.
- It comes with plenty of debt trackers.
- It doesn’t come with a built-in bookmark.
- Pages can slip out of spiral binding.
#5 GoGirl Budget Planner
The GoGirl Budget Planner is one of the best budget planners for college students, as it’s less expensive than other models.
It's a great budget planner to set financial goals if you have financial problems because it helps you identify all upcoming payments, debts, bills due, savings, and cash flow.
You can also write down reminders for all upcoming purchases in order to plan everything beforehand, and every expense category can be easily set before a month begins.
You can also track daily spending habits so that you can find areas for improvement. This planner comes without dates, so you can customize it the way you want.
It also comes with an accordion pocket to keep all your bills organized, and you’ll be able to set your financial goals (and the strategy to achieve them) in the first two pages.
One key disadvantage to note is that the budget planner doesn't come with a monthly calendar or recurring expenses section. It also has the same number of sections for saving and expenses, so you’ll run out of space quickly.
- Affordable and easy planner to use.
- It enables you to set financial goals and helps you to achieve them.
- It includes expense categories to keep you more organized.
- Habit tracker to improve your spending.
- It doesn't come with a calendar.
- The section for expenses is too small.
#4 Erin Condren Petite Financial Planner
The Erin Condren Petite Financial Planner is one of the best budget planners for beginners. It comes with bill-tracking spreadsheets and 80 pages, in addition to pockets for your bills and receipts.
It also comes with checklists that can help you track your income and expenses, so it’s a pretty good choice for someone who runs a small business.
It’s slightly smaller than other planners (measuring 5.7” X 8.25”), which means it's a pretty portable planner that can fit in your purse and/or backpack.
However, it would be best to be careful while holding and using it because it’s prone to coming loose. There’s also no monthly calendar in it, which would be a much-appreciated feature to have.
- Suitable for beginners.
- It comes with bill-tracking spreadsheets.
- It comes with checklists for your spending.
- It also comes with a sheet of financial stickers.
- It feels a bit flimsy.
- No monthly calendar.
#3 Limitless Mindset Budget Planner
The Limitless Mindset Budget Planner is a comprehensive planner and one of the best budget planners for couples and families. It features a leather cover and measures 6” x 9”, which makes it bigger than most budget planners out there.
It comes with 3 cash envelopes so you can get ready for any due bills, 2 sets of stickers to organize your finances, and a custom-made pen to help you write everything down.
It also comes with 2 pockets, one at the front and another one at the back: these are there so you can keep receipts, bills, and money for an emergency.
As for the cons, some users of this budget planner might find that the paper is too thin.
- A durable planner that works for long-term goals.
- Large size that allows you to write more details.
- It comes with cash envelopes.
- 2 pockets to keep your bills and receipts.
- The paper is too thin.
#2 Clever Fox Budget Book
The Clever Fox Budget Book makes personal finance and budget planning easy.
The size of the pages is smaller than A5 (5.3” X 7.7” to be specific), which allows you to carry the budget planner wherever you go. However, some people might need a bigger budget planner if they're the type that writes a lot of details down.
Using the pages dedicated for each month, you’ll be able to make both short and long-term financial goals to identify any bad spending habits. You can add a category for all your expenses and highlight information using the 79 stickers the budget planner includes.
There are also 2 pages for an annual summary and a special pocket so you can keep your bills and receipts for review and easy access.
Unlike the original version below, the Clever Fox Budget Book doesn’t have the categories preset, which gives you more freedom to write your own expenses (although some people prefer the organization). It doesn't have a calendar to help you know when bills are due, though.
- Compact and portable budget planner.
- It helps you set monthly and yearly goals.
- It comes with stickers to help you categorize your finances.
- Annual summary pages.
- Lacks a calendar.
- It could be too small for some people.
#1 Clever Fox Budget Planner
The Clever Fox Budget Planner is one of the best budget planners for setting and achieving financial goals while keeping track of your income, spending, debt, payments, bills, and overall cash flow.
This budget planner allows you to highlight areas you can improve on, and it also helps you manage your finances better. It comes in several colours to suit all tastes, and it features a high-quality hardcover and 86 colourful stickers.
It also comes with a pen holder and a pocket that you can use to hold every bill and receipt, which facilitates monthly reviews.
The paper it comes with is thick and doesn't bleed ink through: it's also in A5 size so that you can record all your financial information.
Some users might find this planner a bit small as it measures 5.8” x 8.3”, and the problem becomes especially noticeable if you have big handwriting. The pages also don’t lay completely flat, which might make writing feel awkward on occasion.
- Helps you highlight expenses and income.
- 86 stickers.
- It comes with pockets to keep all your bills and receipts.
- All details are recorded in one place.
- Fast access.
- It’s rather small.
- Pages don’t lay completely flat.
Budgeting may not be the easiest thing to do, but it can be easier to pull off if you're organized. And it's hard to find a better way to be organized with your budgeting than by using a budget planner.
Now, the ideal budget planner for you will depend on a variety of different factors. For example, if you want a simple budget planner that isn't too expensive and you don't plan to go into a lot of detail, then the ideal budget planner for you would be the Basic Budgeting Workbook.
On the other hand, if you'd like a budget planner that allows you to write down every single detail of your finances, then you might want a budget planner like the Clever Fox Budget Planner Bill Organizer.
It all depends on what you're looking for at the moment, so make sure you choose your favourite budget planner from this list based on your current needs and then use it to start budgeting (which will help you reach a healthier, financially stable future).