12 Best Budget Planners to Organize Your Finances in 2021

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Best Budget Planners for Managing Your Money

Do you struggle with making a budget or sticking to one?

If you said yes, you’re not alone. According to an Intuit survey, 65% of Americans struggle to keep up with how much money they’re spending.

Making a budget is one of the simplest ways to achieve financial wellness. But for a lot of people, it’s a real struggle.

Using a budget planner to categorize expenses can make staying on top of your financial life easier. But what are the best budget planners to use?

Keep reading to find out:

  • What is a budget planner?
  • How do you do a monthly budget planner?
  • What’s the best budget planner?

Related post: Why Is Budgeting Important?

Learn how to make a budget step by step using budget planners! 

And for a simple way to make more money to budet, get paid to take surveys with Survey Junkie!

What Is a Budget Planner?

A budget is really just a plan for how you’re going to spend your money each month.

Making a budget starts with knowing how much you have coming in from work, side hustles or business income and how much you have going out. A budget planner makes it easy to keep track of everything.

Budget planners are a lot like the planner you might use to stay on top of appointments or important dates. The difference is that a budget planner is used specifically for budgeting and managing your money month to month.

What Is a Good Budget Planner?

A good budget planner is comprehensive enough to cover everything you need to keep track of with your money. And it’s designed in a way that appeals to you and how you manage your finances.

There are lots of ways to make and keep a budget, including:

A good budget planner includes all the things you need to stay on top of your financial situation, including:

  • Expense trackers
  • Bill payment calendars
  • Savings trackers
  • Debt repayment trackers
  • Space to plan out your personal financial goals

And most importantly, a good budget planner should be easy to use. Otherwise, you may get frustrated with the whole thought of budgeting and chuck it out the window.

What Are the Best Budget Planners?

The very best budget planner is the one that has everything you need to feel confident about taking control of your money. So the budget planner you decide to use might be totally different from the one your mom or best friend uses.

And that’s okay! Everyone has different needs when it comes to how they plan out their monthly budgets.

best budget planners

But if you’re totally new to budgeting or you’ve tried it in the past and given up, then you might not know where to start with looking for a budget planner.

So to make your life easier, I’ve rounded up the best budget planners to help you get organized and stop stressing about money!

1. Clever Fox Budget Planner

Clever Fox makes a ton of great planning products, including this compact budget planner.

Why it’s one of the best budget plannersWhat you may not like
– Up to date monthly budget planner
– Thick, no-bleed paper
– Comes in lots of colors
– Small enough to fit in your bag
– Convenient pocket for stashing receipts and bills
– Smaller size may not work for everyone
– Pages are difficult to lay flat

The Clever Fox Budget Planner is a great budget planner for beginners who are just starting to learn the basics of money management. You can easily keep tabs on your income, spending, savings, debt repayment and financial goals all in one place!

This budget planner is well-made, with thick no-bleed 120 gsm paper and it’s compact, measuring 5.8 inches wide by 8.3 inches long. That’s perfect if you want a simple budget planner that can go anywhere with you.

It also comes with two pages of stickers and a quick-start guide on how to use the budget planner. And if you’re not completely satisfied, you can get a hassle-free refund, no questions asked.

2. Clever Fox Budget Planner Pro

The Clever Fox Budget Planner Pro is a deluxe version of the original budget planner and it’s perfect for people who use the cash envelope budgeting method!

Why it’s one of the best budget plannersWhat you may not like
– Larger size for people who need more room
– Includes 5 cash envelopes
– Track spending, plan your budget and manage your financial goals in one place
– Comprehensive monthly and yearly budgeting, including holiday budgeting
– May not work for you if you don’t use the cash envelope budgeting method

I prefer to use larger planners and the Clever Fox Budget Planner Pro fits the bill for people who like plenty of space. This budget planner is 7 inches wide and 10 inches long so you have more room to write versus the original Clever Fox Budget Planner.

Like all Clever Fox products, it’s made of quality materials that are designed to withstand frequent use. That includes no-bleed paper and a leatherette cover.

The real highlight of this planner are the cash envelopes that come with it. If you use cash envelope budgeting to manage your money or you’re interested in trying the zero-based budget method with cash, this is one of the best budget planners to help you get started.

3. No B.S. Budget Planner

If you’re looking for a downloadable budget planner that’s free of fluff, this could be just what you need.

Why it’s one of the best budget plannersWhat you may not like
– Download and print at home for instant access
– Includes monthly and yearly budgeting trackers, bill trackers and expense trackers
– Comes with 9 super cute cash envelopes
– Includes savings and debt trackers
– You have to print it yourself
– Doesn’t come spiral-bound

So I’m a little fond of this budget planner because it’s one I created myself. You can find it, along with lots of other money printables, in the Boss Single Mama shop.

I tried to make this budgeting planner comprehensive without making it overwhelming. So some of the things that come with this planner include:

  • 12 monthly budget templates
  • 12 monthly expense trackers
  • Monthly and yearly bill payment calendars
  • Savings goal trackers
  • Income trackers
  • Side hustle income and expense trackers
  • Debt repayment trackers
  • 9 fun printable cash envelopes

If you’re looking for a simple budget planner you can reprint and reuse year to year, this one is it!

You will have to print it yourself and either have it bound or add it to a binder. But overall, it’s an easy to use option if you’re looking for an undated budget planner you can use year to year.

4. Clever Fox Budget Book

The Clever Fox Budget Book is designed for people who want to take a closer look at their spending.

Why it’s one of the best budget plannersWhat you may not like
– Smaller size makes it easy to carry
– Review spending monthly to see how you can improve your finances
– Track savings, debt and bill payments
– Create a simple yearly financial summary
– Smaller size may not appeal to some people
– No monthly calendar

The Clever Fox Budget Book is designed for people who want simplified budgeting month to month. This budget planner is 5.3 inches by 7.7 inches so it’s a big smaller than the original Clever Fox Budget Planner. But it has everything you need to create a monthly spending plan, including:

  • Bill reminders
  • Bill tracking
  • Expense tracker
  • Savings and debt trackers
  • Yearly financial summary

Like other Clever Fox budget planners, it features quality construction and the same money-back guarantee. It’s ideal for people who want to break bad money habits, start saving money and stay focused on their financial goals.

5. Go Girl Budget Planner

The Go Girl Budget Planner is a fun, colorful budget planner for busy women.

Why it’s one of the best budget plannersWhat you may not like
– Undated, so you can start budgeting at any time
– Manage personal spending, bills, debt payment, savings and cash flow in one place
– Includes cash budget envelopes, stickers and more
– Small enough to fit in your purchase
– No monthly calendar
– Not great if you tend to take up more space when you write

The Go Girl Budget Planner is a feminine budget planning option if you’re looking for something bright and colorful. It comes with color-coordinated cash envelopes, 220+ gorgeous stickers and a how-to guide to help you get started using the planner.

Like the Clever Fox budget planners, this one is on the smaller side. Its dimensions measure 5.8 inches by 8.3 inches so it’s small enough to slip in a purse, backpack or briefcase. The planner features no-bleed 120 gsm paper, a penholder and a handy pocket for holding receipts, bills or important notes.

One of the highlights of this budget planner is the expense tracker section. It has four pages of expense trackers with 28 rows so you have tons of room to write down all of your expenses each month. And of course you get other helpful pages, including debt trackers, savings trackers and bill trackers.

6. Erin Condren Designer Petite Budget Planner

This budget planner bundle from Erin Condren has everything you need to become a budgeting boss.

Why it’s one of the best budget plannersWhat you may not like
– Designed for 12 months of budget planning
– Built-in folder for storing receipts, bills and other financial documents
– Includes budget planner, journal, pens and stickers
– Stylish, feminine design
– No monthly calendar

The Erin Condren Designer Petite Planner kit is worth a look if you’re looking for a budget planner/journal/notebook combo. This budgeting planner includes:

  • Financial planner/budget organizer
  • Checklist journal
  • Dual tip markers
  • Designer stickers

This budgeting planner may be something you’d like if you’re into bullet journaling. And it comes with inspirational quotes to help you stay motivated to reach your financial goals.

In terms of the layout, there’s no monthly calendar. But you do get monthly spending summary pages, spending trackers, debt trackers and a handy folder to help you keep it all organized.

7. Legend Deluxe Budget Planner

The Legend Deluxe Budget Planner makes organizing your finances–and keeping them that way–a breeze.

Why it’s one of the best budget plannersWhat you may not like
– Includes a monthly calendar for tracking bill due dates
– Track your financial progress yearly and monthly
– Undated, so you can start planning your budget at any time
– Sturdy and designed to travel with you
– It’s a bit lacking when it comes to debt repayment tracking
– Smaller size may not appeal to everyone

The Legend Deluxe Budget Planner is a complete financial organizer that’s designed for experience budgeters and beginners alike. This A5 size budget planner is compact and sturdy so you can take it with you wherever you go, making it easier to keep track of spending.

Some of the highlights of this budget planner include:

  • Monthly bill tracking
  • Monthly expense tracking
  • Yearly financial planning
  • Savings goal tracking
  • Debt repayment tracking
  • Christmas budget planning

These planners come in a variety of colors so you can choose one that fits your style. It’s undated, so you can start your budget plan at any time during the year. And if you’re not satisfied with your purchase, there’s a money-back guarantee.

8. Happy Planner Year Round Budget Planner

The Happy Planner Year-Round Budget Planner is a great option if you’re looking for a larger, spiral-bound budget planner.

Why it’s one of the best budget plannersWhat you may not like
– Spiral-bound so it’s easy to lay pages flat
– Undated, so you can start planning your budget at any time
– Disc system allows you to customize your planner by adding or removing sections
– Fun, colorful design offers motivation to stick with your budget
– Doesn’t include cash envelopes

The Happy Planner Deluxe Budget Planner is one of my favorite picks because I love Happy Planners in general. These planners use a disc system, which makes it easy to move sections around, add sections or take out ones you don’t need.

This planner offers both monthly and weekly views so you can see at a glance which bills are due, what you’ve spent money on, how much you’ve saved and what you’ve repaid toward debt. It even includes a column on the weekly summary for taking a no-spend challenge, which is a great way to save more money.

This planner is undated so you can start your budget any time. It’s also a larger-sized planner, measuring 8.7 inches by 9.75 inches so you have plenty of room to write. And the disc system means it’s not a pain to lay pages flat.

9. Happy Planner Mini-Sized Budget Planner

If you’re looking for the same disc format in a smaller size, the Happy Planner Mini-Sized Budget Planner fits the bill.

Why it’s one of the best budget plannersWhat you may not like
– Smaller size makes it easy to take your budget with you wherever you go
– Disc system lets pages lay flat and keeps your planner customizable
– Includes savings, debt, bill payment trackers
– View your budget weekly or monthly
– Comes with inspirational quotes and a super cute design
– Smaller size may not work for everyone

The Happy Planner Mini-Sized Budget Planner takes everything that’s great about the Deluxe Budget Binder and condenses it down into a smaller package.

That means you still get the benefit of weekly and monthly layouts, savings trackers, debt trackers and the no spend challenge tracker. Each month begins with a new motivational quote to help you feel inspired to stick to your budgeting journey.

Since this features the same disc binding, you can customize your budget planner by adding in new sections, taking ones out or just moving things around. And it’s small enough that you can stash it in your purse or bag so you can easily budget from anywhere.

10. Limitless Mindset Budget Planner

The Limitless Mindset Budget Planner is designed for long-term budget planning.

Why it’s one of the best budget plannersWhat you may not like
– Undated planner with 12 months of planning included
– Comes with cash envelopes for cash budgeting
– Includes spending trackers, bill trackers, savings trackers and debt trackers
– Larger-sized budget planner
– Thinner pages give it a flimsier feel

The Limitless Mindset Budget Planner is designed to help you organize your finances month to month and year to year. This planner allows you to record your expenses, track bill payments, monitor your savings goal progress and track debt repayment.

Your budget planner is set up so you can look at your month in review, figure out what worked and what didn’t and use that to adjust for the month ahead. The planner includes places to record your income as well as pockets for tucking away receipts, bills and other paperwork you need to keep track of.

If you’re looking for a larger-sized budgeting planner, this one is a contender. Though one potential drawback is that the pages are on the thinner side so you may need to be careful about your choice of pens. The planner does come with its own pen to get you started.

11. Zicoto Simplified Monthly Budget Planner

The Zicoto Simplified Monthly Budget Planner makes it easier to plan out your budget while fine-tuning your financial goals.

Why it’s one of the best budget plannersWhat you may not like
– Sleek, stylish design
– Includes room to track savings, expenses, bills, debt payments and financial goals
– Create an annual financial review
– Budget for every day spending and holiday spending in one place
– No monthly calendar
– Smaller sized

The Zicoto Monthly Budget Planner is an undated 12-month planner that you can use to:

  • Set your financial goals
  • Map out financial strategies and plans
  • Track your bills
  • Track savings and debt
  • Track income
  • Record bill due dates and payments
  • Budget for holiday spending
  • Review spending monthly
  • Review spending annually

It’s a smaller-sized planner but the pages lay flat so it’s not hard to jot down everything you need to. This budget planner also comes with fun stickers and inspirational quotes on each review page to help cheer you on as you work toward your financial goals.

12. Planberry Budget Planner

The Planberry Budget Planner is an eye-catching planner that can make budgeting and managing money more efficient.

Why it’s one of the best budget plannersWhat you may not like
– Hardcover budget planner with a sturdy design
– Undated layout, with spiral binding and larger size
– Organize your budget with a monthly calendar, bill trackers, expense trackers, savings trackers and more
– Includes stickers and 12 bill pockets for storing documents
– Larger size may not fit every purse or bag

The Planberry Budget Planner is a great choice if you’re looking for a larger budget planner that gives you plenty of room to write. This spiral-bound budget planner is undated, with a hardcover exterior and 120 gsm bleed-proof paper inside. So it’s made to last, regardless of when you start your budget.

The planner includes colorful monthly layouts where you can record bills, expenses, savings and debt. There are 12 bill pockets so if you still get paper bills you can keep them here.

What’s really great about this budget planner are the strategy and planning pages. If you’re interested in taking a deeper dive into what your financial goals are, why you want to achieve them and what money habits you might need to adopt, this planner could be a perfect fit.

best budget planners for managing money

Final Thoughts on the Best Budget Planners

Making a budget is the first step in improving your finances so you can save more. With a budget, you can take control over where your money goes.

The budget planners I’ve included here are truly the ones I think are the best based on form, function, features, style and cost. As mentioned, I’m partial to the Happy Planner line of budget planners but I also think Planberry’s budget planner option is a great pick if you’re really focused on financial goal-setting.

I hope you’ll find the perfect budget planner for you on this list!

And in the meantime, head to the resource library to pick up a free budget template, along with lots of other goodies!

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