Best Budget Planner Books (Free And Paid Planners)

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Budget planners have the ability to completely transform the way you manage your finances. When you use a budget planner and physically write down your 

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Here are a list of the best planner books!

A budget planner is a way to keep your finances organized all in one place. It can help you keep your finances organized, save money, and achieve financial goals.

Budget planner books have so many benefits including:

  • keeping you on track with spending
  • preparing for financial emergencies
  • get rid of bad habits
  • helps you achieve financial freedom

There are so many budget planners out there that it’s hard to say one is the best. However, some of the most popular budget planners include the Clever Fox Budget Planner. This was one of the very first budget planners I ever owned and it includes so much for a great price. 

Step 1: Calculate monthly income after taxes

One of the first steps to take when creating your budget is finding the total amount you take home each month. 

For example, you may have 2 paychecks coming in at $1000 each after tax. Your take-home pay is $2,000. You may have a side hustle that earns you an extra $500 a month after tax.

All of your bills and expenses must be under $2,500. Knowing this total amount is going to help you see where you need to cut spending so you can start saving more. Every dollar helps. 

Step 2: Track spending

This is the most time-intensive step because you have to track all of your spending for 1 month, but you can do it. Or you can opt to look over the previous month and put all of your spending into categories to see how much you’re spending.

Gather your bank and credit card statements (either paper statements or online) and put each purchase/expense into a category. 

Here are popular categories you will want in your budget:

  • Housing (mortgage/rent, HOA fees, property taxes)
  • Utilities (electricity, water, garbage, phone, internet, cable)
  • Transportation (car payment, insurance, maintenance, gas)
  • Food (groceries, restaurant)
  • Medical (insurance, primary care, dental, medications)
  • Insurance (health, home/renters, auto, life, disability)
  • Household (toiletries, laundry/kitchen supplies)
  • Personal (gym memberships, haircuts)
  • Debt (student loans, auto loans, credit cards)
  • Retirement (financial planning, investing)
  • Fun money (subscriptions, concerts, movies, vacations)

A recommended budget percentage to follow is: 

  • Housing: under 25% 
  • Utilities: 5-10%
  • Groceries and dining out: 10-15%
  • Transportation: 10%
  • Health: Under 10%
  • Insurance: Under 25%
  • Fun: 10-20%
  • Charity: 5-10%

Related: How To Create A Budget

Best budget planners

Clever Fox Budget Planner

This budget planner is one of the most comprehensive budget planners on the market. I personally own this planner and find it the best for achieving financial goals and staying organized.


  • Monthly budget plan
  • Expense tracker
  • Monthly budget review
  • Pocket for receipt and bills
  • Quick start user manual
  • New skills I need to learn section
  • Money affirmations section
  • Actions I will take to achieve my goals section
  • Over 24 color options
  • Debt tracker
  • 86 budget stickers
  • Hassle-free refund if not satisfied with planner


Budget Binder With Envelopes

This budget binder with envelopes is different from most budget planners because it comes with cash envelopes. Cash envelopes are a great way to stick to a budget because you can only use the allotted cash for each category. This is great for anyone who has trouble sticking to a budget.


  • Budget sheets
  • 2 sheets of category sticker labels
  • Cash envelopes 
  • 12 color options


Free financial planner for Fitnancials subscribers

Fitnancials readers’ get access to a free resource library packed with tons of free financial printables.

The financial planner printable includes:

  • Budget overview
  • Debt tracker
  • Monthly bill tracker
  • Monthly calendar
  • Bill payment calendar
  • Annual budget summary
  • 12 week savings challenge
  • Financial goals sheet
  • Debt thermometer
  • Notes page
  • Motivating quotes to help you stick with budgeting

Simplified Monthly Budget Planner

This simplified monthly budget planner contains the essentials you need to stick to a budget and achieve your financial goals.


  • Monthly income section
  • Monthly savings section
  • Monthly budgeting section
  • Daily expenses section
  • Debt tracker
  • Month in review
  • Undated so you can start any time 


Optional budgeting methods

If budget planners aren’t for you, here are some other great budgeting options.

Clever Fox Cash Envelope System


  • 12 budget sheets
  • Zip locker pouch
  • Envelopes are waterproof, tear resistant, durable
  • Quick start guide 
  • Summary of the year sheet
  • Different colors and perfect size to fit into any purse


Budgeting apps

Budgeting apps are one of my go-to ways to track my spending. I personally use EveryDollar and have been for years. It’s my sole method for budgeting and I check it at least once a week.

Mint is another popular budgeting app that costs nothing, but has a ton of ads and overall looks cluttered in my opinion, but I still have an account with them. Mint has other features that I like such as financial goals, investments, etc. 

Final thoughts

Budgeting is a must if you want to achieve your financial goals and want ultimate financial freedom. Budgeting gives you the power back so money is no longer in control of you. Instead, you take control of your money and give every dollar you earn a job.

This isn’t about penny pinching and not having fun with money, it’s the exact opposite.

Make your money work for you by starting a budge today.

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