best budget planners

Top 5 Best Budget Planners

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All of us want to be on top of the budget but keeping track of a plethora of expenses, shopping, bills, and unexpected medical costs. We know that nothing is as more challenging as sticking to the budget but thanks to the functional and practical budget planners for helping us out.

Budgeting on loose sheets can be boring, stressful, and tedious work. But keeping track of a budget book is a straightforward and practical format. We have shared with you the top 5 best budget planners that will start redefining your perception and relationship with money in a relaxed way. So give your control of finances to the planners now, and make yourself stress-free.

For a budget planner to be good, it must follow a few rules:

  • To highlight as accurately as possible the monthly income and expenses;
  • Savings should be the first element of “spending” – so we spend what we have left after we have saved, and we do not save what is left after we have spent (if there is any left).
  • To be a tool for planning monthly expenses, not just for keeping track of them. Thus, at the beginning of the month, plan the expenditures by categories, and make sure that the money goes to the destinations chosen in advance, not chaotically, depending on the momentary impulses.

1. Simplified Monthly Budget Planner – Easy Use 12 Month Financial Organizer with Expense Tracker Notebook

Best Budget Planners

Achieve long-term financial freedom with Zicto Budget planner organizer. With this best budget planner, you can set your financial goals and achieve this. You can monitor your savings, debts, monthly income, and daily expenses. Notice the area for improvements and track monetary flow. This budget book is for 12 months and will give you a chance to develop action plans, monthly strategies, and monthly habits. You can check your learning curve through the month and year-end review.

This financial notebook is perfect for all, and you can bring it anywhere, anytime. Its right size fits in every bag and is always at hand. You will love this gorgeous budgeting book as it is beautifully crafted and comes in four different colors. It is planned for easy and effective budget planning. Along with the notebook, the pack includes a sturdy pen loop and an elastic band. The planner also includes motivational instructions and strategies for creating a successful budget plan. Stickers with the sheets add fun to planning.

Simplified Monthly Budget Planner - Easy Use 12 Month Financial Organizer with Expense Tracker Notebook - The 2021-2022 Monthly Money Budgeting Book That Manages Your Finances Effectively
4,102 Reviews
Simplified Monthly Budget Planner - Easy Use 12 Month Financial Organizer with Expense Tracker Notebook - The 2021-2022 Monthly Money Budgeting Book That Manages Your Finances Effectively
  • Budget Planning At Its Best: Achieve your Financial Goals and Use the ZICOTO budget tracker to set new financial standards in your life, monitor your monthly income, savings, debts & daily expenses
  • Create Financial Freedom: Start your journey to long-term financial freedom today! The finance planner allows you to track monetary flow & to review each area for improvements; This 12-Month budget book is your chance to develop monthly habits, monetary strategies & action plans
  • Start At Any Time & Any Place: The budgeting planner is undated, so you can start at any time; Thanks to its perfect size of 5.5x8” (smaller than A5) the financial notebook fits in every bag & is always at hand
  • Gorgeous & Functional: The hardcover budgeting book is available in 6 beautiful colors and is designed for easy & effective budget planning. It comes with practical features such as an elastic band & a sturdy pen loop
  • Stickers, How To’s & Motivation: ZICOTO gets you started & keeps you going! The budget keeper includes 2 sticker sheets for personal creativity, planning instructions, plus inspirational quotes on each review page to help focus on your goals
Pros
  • Set a financial goal.
  • Tracks monthly bill.
  • Debt and saving tracker.
  • Saves monthly income and daily expenses.
  • Notes section.
  • A year and month-end review.
Cons
  • Four pages for each month may not be enough for everyone.

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2.Budget Planner – Monthly Budget Book and Expense Tracker, 5.3″ x 7.6″, Portable Budget Planner

Best Budget Planners

Tracking your budget monthly is an essential task; otherwise, you may lose control of your finances. As this planner is undated, start whenever and continue wherever you want. Get ready to become a personal budgeting and finance expert. This best budget planner contains all the features that are required for budgeting of monthly overview. It includes 12 months of a budget planner, two pages of the regular bill, track expenses, annual expenses budget, and other useful information.

The design of the monthly planner is convenient and easy to use. A magnet in it makes the planner close smoothly, making it handy. The inner pocket enables you to hold some bills while you can put other accessories inside the hardcover. You can track monthly income, monthly savings, monthly payments, monthly debts and bills, monthly spending, and monthly overview. You will also have a special part for Christmas and extra expenses.

You will love the paper’s quality, the thicker paper reduces shade problems, and bright white paper shows the planner’s excellent quality. This best budget planner will help you organize your life by staying on budget, tracking your expenses, and saving money for the future.

Budget Planner - Monthly Budget Book and Expense Tracker, 5.3' x 7.6', Portable Budget Planner with Watercolor Pockets + Thick Paper + Magnetic, Twin-Wire Binding - Watercolor Ink
1,061 Reviews
Budget Planner - Monthly Budget Book and Expense Tracker, 5.3" x 7.6", Portable Budget Planner with Watercolor Pockets + Thick Paper + Magnetic, Twin-Wire Binding - Watercolor Ink
  • ☔ MONTHLY BUDGET PLANNER - Our budget planner is undated so it can be started at any time. Its perfect size of 5.3"x 7.6"(smaller than A5) the budget planner fits in every bag and is always at hand. This budget planner is combination of blue and purple ink and gold leaf cover. By using this budget planner, you will become a personal finance and budgeting expert.
  • ☔ DETAIL DESIGN & MONTHLY OVERVIEW - 2 pages for regular bill trackers + 12 months of monthly budget planner and expense tracking + Useful information + Annual espenses budget. You can keep track of your progress each month which included monthly income, monthly regular payments, monthly direct debits & bills, monthly savings, monthly essentials, 3 monthly day-to-day spend pages, 2 monthly spend totals pages and Month overview. Also special part for Christmas & extra expenses.
  • ☔ MAIN FEATURES - Magnet makes the budget planner close easily + Watercolor inner pocket which can hold some bills + Hardcover with a watercolor ink background + Metal lay-flat twin-wire binding allows to open one page. The budget planner can help you stay on budget, track expenses, pay off debt, pay bills due, save money and plan for your holidays and special projects or others expenditure.
  • ☔ QUALITY - Thicker paper than normal paper in the market to reduce fraying and shade issues + Bright white paper + Organize your life in style with this budget planner. This budget planner can help you manage all your personal finance, savings, budgets, debt, payments, bills due, cash flow and expense tracking.
  • ☔ OUR SERVICE - By using this budget planner, you can get and keep your finances organized! If you are looking for the best budget planner, you’ve found it. We will do our best to make you happy if you have any quality problems. Give us a chance and let us show you a great budget planner experience!
Pros
  • Durable and sturdy planner.
  • Portable design.
  • Rich content.
  • Tracks expenses and income.
  • It helps in organizing your life.
  • Record daily and monthly budget.
  • Gives monthly overview.
Cons
  • The layout is simple.

More: The Best Habit Trackers

3. Clever Fox Budget Planner & Monthly Bill Organizer With Pockets. Expense Tracker Notebook

Best Budget Planners

The Clever fox budget organizer is another best budget planner that will help you in managing your money. Keep yourself on track, jot down your financial goals, set reminders for bills on the calendar. Before you spend anything, you must have a spending plan ready. Track your day-to-day spending, and then at the end of the month, review your spending. Point out all your bad spending habits and extra expenditures, after this improve this next month.

Practical personal finance will help you manage your household budgets perfectly; you can manage everything in one platform. Whether you want to manage your savings, payments, debt, bills, cash flow, expenses, and more, this planner is an excellent option.

You will love the elegant and smart look of this personal finance. It begins with two pages specially designed for setting your financial goals, and then the next two pages are for planning strategies. This would be followed by a planner of 12 months, and at the end, there are separate sections for tracking savings, holiday budgeting, and bill tracking.

The paper used in this is of high quality, and the spiral binding is also sturdy. Each month has a different color; this makes the planner purposeful, quick, and easy to use. Take a step ahead by taking an essential move towards organizing your budget and finances without any hassle.

Clever Fox Budget Planner & Monthly Bill Organizer with Pockets. Expense Tracker Notebook, Budgeting Journal and Financial Planner Budget Book to Control Your Money. Large Size (8' x 9.5') – Dark Blue
4,682 Reviews
Clever Fox Budget Planner & Monthly Bill Organizer with Pockets. Expense Tracker Notebook, Budgeting Journal and Financial Planner Budget Book to Control Your Money. Large Size (8" x 9.5") – Dark Blue
  • ✅ TAKE CONTROL OF YOUR MONEY & ACHIEVE YOUR FINANCIAL GOALS: Are you looking for the best monthly budget planner & bill organizer to keep your finances, bills & receipts organized? Clever Fox Bill Organizer with pockets will help you keep your money organized, spend well, start saving, set and achieve financial goals. It can help you to manage all your household monthly budgeting & personal finance in one place: savings, debt, payments due, bills, receipts, cash flow, expense tracking and more.
  • ✅ STAY ON TRACK & FOCUSED, SET MONTHLY GOALS & CREATE BUDGET: Write down your monthly financial goals. Set reminders for the monthly bills and payments on the calendar. Create a spending plan before you spend. Use predefined expense categories to create your monthly budget. Track all your day-to-day spending and store each month's paper bills and receipts in a pocket. At the end of the month, review what happened, spot bad spending habits, think about how you can improve next month.
  • ✅ ELEGANT, SMART & PRACTICAL PERSONAL FINANCE: Clever Fox Bill Organizer starts with 2 pages for setting your financial goals and their breakdown on the mind map, then 2 pages for your strategy and tactics, followed by 12 months (8 pages and 1 pocket per month). At the end of the planner, there are 4 pages for tracking savings, 4 pages for debt tracking, 2 pages for Holiday budgeting, 2 pages for regular bill tracking, and 2 pages for annual summary to track your progress throughout the year.
  • ✅ PREMIUM QUALITY, CONVENIENT POCKETS, LARGE SIZE, GIFT PACKAGING & BONUSES: Clever Fox Budget Notebook made from high-quality leatherette hardcover, thick no-bleed 120gsm paper, 12 pockets for bills and receipts and sturdy spiral binding. It includes a free 2 pages of 192 stickers and a quick start user manual with filled examples. This finance planner is a large size: 8 x 9.5 x 1.4 inches. Budgeting planner and accounts book comes in a premium keepsake box, which makes it a perfect gift.
  • ✅ GUARANTEED TO KEEP YOUR FINANCE ORGANIZED OR YOUR MONEY BACK: The Clever Fox Budget Planner & Bill Organizer with pockets is guaranteed to work, or we will give you your money back! If you are not happy with your results or for any reason you’re not completely satisfied with your purchase of this budgeting workbook, simply contact us for a hassle-free refund, No questions asked!
Pros
  • Control extra expenses.
  • Helps in achieving financial goals.
  • Set your budget and maintain it.
  • Tracks bill, savings, and extra expenses.
  • Premium quality.
  • Practical, stylish, and handy.
Cons
  • A bookmark is missing.

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4.Clever Fox Budget Planner – Expense Tracker Notebook. Monthly Budgeting Journal

Best Budget Planners

Taking steps towards living a more organized, productive, and fulfilling life is essential. Financial management is a core step for achieving such goals. We understand that budget planning isn’t an easy task, but it can be stress-free with Clever fox budget planner. This will not only organize your finances but will also add value and will improve your finances curve. So, get yourself this organizer and lead a life of success every day.

With this budget planner, you can reach your goals more quickly and effectively. Commit to this for a year consistently, and it will change your life. It will help you in tracking your expenses and income that will keep you on track. The planner’s layout is carefully selected and designed to keep you motivated, inspired, and organized. Start from anywhere; this undated stylish budget planner is easy to carry in your bag. It contains separate dedicated pages for financial planning, setting goals, expense tracking, monthly budgeting, and monthly reviewing.

Clever Fox Budget Planner - Expense Tracker Notebook. Monthly Budgeting Journal, Finance Planner & Accounts Book to Take Control of Your Money. Undated - Start Anytime. A5 Size Dark Green Hardcover
  • ✅ TAKE CONTROL OF YOUR MONEY & ACHIEVE YOUR FINANCIAL GOALS: Are you looking for the best monthly budget planner to keep your finances organized? Clever Fox Budget Book will help you keep your money organized, spend well, start saving, set and achieve financial goals. It can help you to manage all your personal finance, savings, budgets, debt, payments, bills due, cash flow and expense tracking in 1 place. By using this budget keeper, you can become a personal finance and budgeting expert.
  • ✅ STAY ON TRACK & FOCUSED, SET MONTHLY GOALS & BUDGET / REVIEW: It all starts with a plan! Each month write down your monthly financial goals. Put reminders of bills and payments due on the calendar. Make a monthly spending plan before you spend. Use predefined expense categories to plan your monthly budget. During the month, track all your day-to-day spending. At the end of the month, review what happened, spot bad spending habits, think about how you can improve next month.
  • ✅ ELEGANT, SMART & PRACTICAL PERSONAL FINANCE: Clever Fox Budget Journal starts with 2 pages for setting your financial goals and their breakdown on the mind map. There are 2 pages for writing your strategy and tactics, 2 pages for tracking savings, 2 pages for debt tracking, followed by 12 months (8 pages per month). At the end of the Clever Fox monthly expense planner, there are 2 pages for Christmas budgeting, and 2 pages for an annual summary to track your progress throughout the year.
  • ✅ PREMIUM QUALITY, PERFECT PORTABLE SIZE & BONUSES: Clever Fox Budget Notebook made from high-quality leatherette hardcover with an elastic band, pen holder, 1 accordion pocket for bills and receipts at the end of the money planner, 1 bookmark, thick no-bleed 120gsm paper. This finance planner is A5 size, measuring 5.8 inches wide, 8.3 inches long. This budgeting planner and accounts book comes with free 2 pages of stickers and a quick start user manual with filled examples.
  • ✅ GUARANTEED TO KEEP YOUR FINANCE ORGANIZED OR YOUR MONEY BACK: The Clever Fox Budget Planner Organizer is guaranteed to work, or we will give you your money back! If you are not happy with your results or for any reason you’re not completely satisfied with your purchase of this budgeting workbook, simply contact us for a hassle-free refund, no questions asked!
Pros
  • Productive and stylish.
  • It helps you in achieving debt payoff goals.
  • Premium quality material.
  • Reviewing help you in improving.
  • Comes with stickers.
Cons
  • Some people find it a bit smaller than the others.

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5. DebtorEdu Budget Planner – Comprehensive Monthly Budgeting Journal, Debt Tracker, Bill Organizer – Undated

Best Budget Planners

Another best budget planner is DebtorEdu planner because of its amazing features. This organizer contains all the tools that you require for making the change. You must record all the details of your monthly budgeting. This comprehensive journal is ideal in all aspects; you can manage bill payments, income, expenses, savings, and much more. You can use it, and it will surely help you save money and create a plan for the future.

This will encourage you to celebrate your achievements, balance your monthly budget, participate in savings, track your debt, separate your needs, and visualize your day-to-day spending. Its metal corners and scratch-resistant hardcover makes it more beautiful and stylish. Financial experts design this planner, and they know how to change the spending habit. Along with income, expenses, and other essential details, it contains many extras that include a medical expense tracker. Check register, bill account information, donations, money journal, and so much more.

DebtorEdu Budget Planner - Comprehensive Monthly Budgeting Journal, Debt Tracker, Bill Organizer - Undated (Start Anytime) (White, Beige, Black, Gold)
543 Reviews
DebtorEdu Budget Planner - Comprehensive Monthly Budgeting Journal, Debt Tracker, Bill Organizer - Undated (Start Anytime) (White, Beige, Black, Gold)
  • ✅ MANAGE YOUR BUDGET WITH THE BEST BUDGET PLANNER - Having a monthly budget is the first step in taking control of your financial life. This planner has all the tools you need to make that change. Ideal for managing your income and expenses, bill payments, savings, etc. Includes a detailed budgeting page for each month.
  • ✅ SET & REACH YOUR GOALS, TRACK SPENDING, PLAN FOR FUTURE, MANAGE SAVINGS, MONEY JOURNAL - this is the best monthly budget planner that is simple to use and proven to help you save money, create a plan for the future, set your goals and celebrate your achievements, visualize your day-to-day spending, balance your monthly budget, track your debt, participate in a savings challenge, separate your needs and wants, and so much more.
  • ✅ PRACTICAL, PORTABLE, BEAUTIFULLY CRAFTED - Keeping a budget planner on you is very important so you can track your spending. This budget planner is portable (measures 6.5" x 8.5") and looks beautiful with metal corners and a scratch resistant hard cover. It is undated so it can be started at any time. It includes 1 pocket for bills and receipts at the end of the money planner and no-bleed paper.
  • ✅ DEVELOPED BY FINANCIAL EXPERTS - This budget planner was developed by financial experts at DebtorEdu who have helped thousands of people change their spending habits. Now it's your turn!
  • ✅ SO MANY EXTRAS - Online order tracker, medical expense tracker, donations log, check register, bill account information, 52 weeks savings challenge, 30 days no spend challenge, money journal, account log, separate needs and wants, and so much more. This budget planner comes with a free page of over 150 beautiful and functional stickers.
Pros
  • Manages your budget.
  • Portable and beautiful.
  • Enhances monthly savings.
  • Income and expense tracker.
  • Comes with instructional videos and stickers.
Cons
  • Section division needs revision.

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Buying guide – Best Budget Planners

There are millions of people using a budget planner to manage their finances. There are many options in the market when it comes to choosing the right one. Most budget planners have some interesting features such as automatic formatting, page numbers, checks, etc.

Still, they may not be necessary all the time. If your intent is just to organize your finances without causing any major inconvenience, then a basic model will do just fine. Financial planning for women is quite different from men, and so, a simple budget planner is sufficient for their needs.

However, if you want a little extra from your budget planner, you can try out some of these advanced features that will help make managing money easier for you:

Purpose

The usage of budget planners varies for everyone. Choose your organizer as per your financial goals. Also, look for the planners that come with pockets; this helps save the bills, receipts, and other accessories.

Quality

The quality of the planner is a vital feature to consider. The material of the paper should be good, and it should withstand extreme conditions. A thick quality paper is preferable. And the outer covering should be a hard case as it is sturdy and durable.

User-friendly

The best budget planners should be well organized and very easy to use. It also needs to have organized headings and prompts, making budgeting very simple and easy.

User reviews

Never forget to read reviews of the customers. The above-mentioned all budget planners have the best reviews regarding price, features, and usability. Honest reviews are one of the most reliable methods of buying any product.

Customization

Look for the customizable models. You may need to note some important budget criteria; you need extra spaces and extra pages for this. Extra space allows you to plan your monthly budget, track your expenses, savings, debt and review your spending freely as per your choice.

Design

Different planners have different designs. The majority of the planners are separated by day, week, and month. This separation ensures easy organization and eases you in planning. Outer look matters, but it doesn’t limit here; the internal design is also crucial.

Stylish

You would be more motivated to use a budget planner if it looks pretty and is stylish. If you’re spending money to buy a planner, it should be one that you would love to pick up each day.

Undated

Using an undated planner means that you can start anytime. If you decide to start budgeting in the middle of the month, that’s perfectly fine. You wouldn’t be wasting all the pages from the beginning of the year.

Frequently Asked Questions

How can I choose the best budget planner for myself?

This depends on how frequently you write and what you want to record in your planner. If all you need are some basic features, then a simple model will be sufficient to hold your thoughts and ideas on paper, but if you plan to carry out extensive tracking and recording of data, then an advanced one is ideal.

Should I go for lined or unlined pages?

It’s an entirely individual choice here as some people feel more comfortable with ruled sheets. At the same time, others prefer using their own notebooks with blank sheets in them. Go for them according to your preference and usage pattern, as well as where and how often you’ll use them (whether at home or office).

What should I be aware of while buying a budget planner?

While purchasing the best budget planner for yourself, considering several factors are important:

Occasional use: If you’re only planning to use your organizer now and then, a standard model will do just fine, but if you’ll use it on an extended basis or regularly, then look for options that offer more features such as storage cards and page protectors, etc.

What are the different types of budgets that I can choose from?

An array of features is available today that allow you to choose according to your preference, including:

Weekly planners: The best budget weekly planner includes a week-at-a-view front page followed by several two-page spreads offering plenty of room for writing appointments, important dates, or any other relevant data (such as phone numbers, addresses, etc.) that may come up during the rest of the week. Monthly calendars: All go into an insertable sleeve on the left side, which can be shifted back and forth with ease so that you always have access to the monthly calendar, even while making notes on the current week.

Weekly/monthly planners: Best budget planning weekly planner can include a monthly calendar on one or both sides of the block and then separate spaces on the opposite side for each day. Pocket Planner: This is a great option if you don’t want to carry around an extra bag full of loose sheets in your briefcase because it allows you to keep any necessary notes, tickets, or receipts within easy reach while also keeping them intact with the rest of your planner information.

Writing pad: Combining elements from different types creating an entirely new type of best budget planner. This type allows users to track daily expenses and make notations regarding major events that occurred during that period (like birthdays and anniversaries).

What’s the difference between annual and monthly planners?

This really comes down to personal preference, but some users prefer monthly or quarterly because they’re more streamlined in terms of planning. In contrast, others prefer a yearly review as provided by an annual option, so decide which one will work better for you.

Final Verdict- Best 5 Budget Planners

The first and most crucial step for setting up a budget is buying the best budget planner that works smartly and effectively for you. One budget planner doesn’t work for all people. Your budget planner is according to your financial goals, so you should customize it as per your needs. Say hi to financial freedom with these budget planners!

Like this guide? Then you’d definitely love our other guides on the Best Habit Trackers or for the Best Productivity Planners

Last update on 2021-10-22 / Affiliate links / Images from Amazon Product Advertising API

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