The search for the right budgeting notebook can be overwhelming. There are too many options and you really want to get it right. Because your ideal budgeting notebook will keep you motivated to take control of your finances and finally start reaching all those vague financial goals you want but can’t reach because you don’t have a concrete plan for them.
A lot of the products out there are just plain expense trackers. But the budgeting notebook is much more than just a record of expenses. While tracking is certainly an important part of it, it’s not the only part. A good budget planner allows you to plan and reflect so that you can make informed financial decisions.
Three key components of a great budgeting notebook
- Budget plan
Every budget notebook should have a space for you to plan how you’ll spend your income so you don’t end up overspending on non-essentials which will result in not having enough for essentials.
- Trackers
Tracking all purchases and expenses is important to gain awareness of where your money goes. This will show you where you can save or cut back in order to have more money for savings or investments. A financial planner should also have debt and savings trackers so that you can have all those important numbers in one place.
- Financial goals
You should set clear financial goals and a good budget planner has a designated space to write down those goals.
All this and much more you will find in each of the budgeting notebooks listed below. All you have to do is choose a format and style that suits your needs.
Best budgeting notebooks for 2024
Clever Fox Budget Planner Pro
It’s a large (7” x 10”) notebook with plenty of space for planning and tracking personal finances. This is one of the best sellers and with a good reason. It has all the features a decent budgeting planner should have. The notebook itself is made of quality materials to last you a whole year. It has three ribbons, an elastic strap enclosure, and a pen loop. Design is clean and simple, there are set categories and no pre-written expenses. And there’s enough guided and unguided space to set goals, plan, and review.
Features
- Pages for setting financial goals and strategies to reach them
- Monthly calendar
- Pages to plan a budget for the month
- Expense trackers (3 pages per month)
- Bills tracker
- Savings trackers (8 savings)
- Debt trackers (12 debts)
- Holiday budget
- Summary of the year
- Dot grid pages
- Envelopes
- Stickers
5-star review
“I wanted to find a budget planner that would be good for beginners and this one immediately caught my attention; I love the size of the planner, the sturdiness, the colors, the stickers, the overall setup and layout of the planner. It looked fun, easy to use and like something I’ll want to keep using. At first, I was a little bummed that my planner didn’t come with the cash envelopes it was supposed to, but I contacted the store the night I got my planner, got a response the next day, and then just a couple days later the envelopes came! A day sooner than the rep I spoke with anticipated! Not only is this a great, quality planner, but the service was also great so I’d definitely buy it again and recommend it to others!”
Kendra
Clever Fox Budget Planner Pro on Amazon
Habit Nest Budgeting Sidekick Journal
This one is a little bit different from all others. Firstly it comes in two parts. Part one is 5 months, fully guided, budgeting planner. Sidekick Journal, as they named it, is full of educational material that will expand your financial literacy. It is made to guide and motivate you to set financial goals and most importantly reach them. This is great for budgeting beginners that want a step-by-step guide to financial freedom. The second part is a 12-month budgeting notebook designed to continue budgeting in the same manner that you learned in part one.
Features
- 5 months fully guided budgeting notebook
- Pages with educational financial info
- Pages for setting goals
- Monthly budget plan
- Monthly calendar
- Daily expense trackers
- Monthly review
5-star review
“I absolutely LOVE my budgeting journal. 🙂 The whole process of working through it is even better and simpler than I anticipated. The first 50 pages or so is all about educating you on financial health/ reframing your relationship with money, and setting you up for success by having you set your intentions by answering simple questions and guiding you through how to use the journal effectively. I’m on Day 13 now, and actually feel that this has increased my spending mindfulness and awareness in my daily living to keep me saving money and in control of my spending. SUPER easy to use, seriously. You’ve gotta try this out. I highly recommend to anyone wanting to lead a more financially stable life! Well worth the money, and then some!”
Katie
Habit Nest Budgeting Sidekick Journal on Amazon
Big Blue Budgeting Book
A minimalist budgeting book that has everything to efficiently plan and track finances, with plenty of space to write. The simple and clean design leaves no room for distractions. If you don’t care about stickers and other fixings and just want a simple budgeting notebook with clean templates to manage your budget then Big Blue Budgeting Book might be the right fit for you. There are just enough prompts to motivate you to make smart financial decisions. Like monthly reviews where you write in all the purchases you made the previous month but think were unnecessary and wasteful. This type of practice trains your consciousness to spot patterns and become aware of the money suckers.
Features
- Monthly calendar
- Pages to plan a budget for the month
- Expense trackers (3 pages per month)
- Savings trackers (16 savings)
- Debt trackers (12 debts)
- Monthly review
- Notes (2 pages per month)
5-star review
This is a brand new budgeting book on the market so it doesn’t have any reviews yet.
Big Blue Budgeting Book on Amazon
GoGirl Budget Planner & Bill Organizer
This spiral-bound, 5.3” x 8” planner has many perks. Like 12 pockets to keep all the bills and receipts conveniently in one place. And monthly pie charts to visualize how you spend your money across categories. The planner also has 12 large monthly calendars, each spreading across two pages offering enough space to write. The layout is fully structured and well planned so it’s intuitive and easy to use, but in case you need more assistance (or ideas) there is a user manual included.
Features
- Financial goals, strategies, and tactics
- Monthly calendar
- Monthly budget plan
- Expense trackers (4 pages per month)
- Monthly review
- 12 pockets for bills and receipts
- Savings trackers (8 savings)
- Debt trackers (12 debts)
- Holiday budget
- Bill tracker
- Summary of the year
- Stickers
5-star review
“I like how it helps me see things I should be taking into consideration while budgeting my money, helps me think about my goals and how to complete them, instead of doing whatever I want in the moment. Helps me keep track of what I spent, and if I need to keep important receipts such as daycare payments!! Then I know where they all are! Love that part! And at the end of the month it helps you graph out how much money went to which category of your budget and a recap about your goals and if you met them, what was hard what wasn’t etc.”
Sequoia
GoGirl Budget Planner & Bill Organizer on Amazon
Pukka Pad Budget Planner
A colorful budget planner that makes budgeting seem like a game. The planner is filled with all the essential elements of a good financial planner. Months are divided with tabs that make using the planner really convenient. Every month comes with a motivational money quote, which is a nice touch. Size is 8” x 8.75” with fonts and writing spaces large enough for easy use. The planner is spiral-bound, sturdy with reinforced edges, and made to last you a whole year.
Features
- Monthly calendar
- Monthly budget plan
- Expense trackers (4 pages per month)
- Savings trackers
- Debt trackers
- Monthly goals
- Information pages
- Bill tracker
- Donation tracker
- Pocket for bills and receipts
- Stickers
5-star review
“I researched budget planners for 2 weeks. I wanted something to support my progress through Dave Ramseys Total Money Makeover. After a lot of research I finally decided on this planner and it was a great decision. It’s cute, easy to use, it has all of the sections I need, a notes page plus comes with stickers. This planner makes financial organization easy and fun.”
Beverly
Pukka Pad Budget Planner on Amazon
Soligt Financial Planner
Solgit created a decent planner that is easy to use with a simple design that attracts beginner and advanced budgeters. There is enough space to make a plan for the year and each month, then track your progress, and make monthly assessments. Categories and expenses in the budget plan come with blank spaces for you to customize to your needs. In addition, you’ll get monthly sticker tabs you can stick to the pages for more convenience.
Features
- Monthly calendar
- Monthly budget plan
- Expense trackers (4 pages per month)
- Monthly review
- Savings trackers (savings goal and 4 savings)
- Debt trackers (8 debts)
- Summary of the year
- Information page
- 12 pockets for bills and receipts
5-star review
“I am excited to try out my new budget planner. It arrived today, and already I am impressed not only with the vibrancy of its design, but also its functional usefulness. The size of this planner is handy; it should easily fit in a handbag or purse, making it a quick go-to when running between meetings with clients. Thanks, Soligt!”
Betsy
Soligt Financial Planner on Amazon
Planberry Budget Planner & Bill Organizer
Planberry budget planner comes in two sizes 7” x 8.5” and 8.3”x 9.4”. It’s spiral-bound and made of quality materials. Months are color-coded for easier navigation, and each month is marked with a motivating money quote. With the help of prompts, you can set financial goals, and make clear strategies and tactics to accomplish them. At the end of every month, you are prompted to create a pie chart to better understand your spending habits. Budgeting beginner? No worries! The planner comes with a user guide to help beginners get started.
Features
- Monthly calendar
- Monthly budget plan
- Expense trackers (4 pages per month)
- Monthly review
- Financial goals, strategies, and tactics
- 12 pockets for bills and receipts
- Savings trackers
- Debt trackers
- Holiday budget
- Summary of the year
- Stickers
5-star review
“I would suggest this budget planner to anyone who is looking to organize properly. I have tried every spreadsheet, planner, checkbook registry, and notebook to keep a budget and this is the best thing I’ve found. It is sturdy so it holds up to heavy use. It has a pocket for each month to hold receipts or anything you need (also sturdy). It looks pretty too which is nice. It has pretty but real quotes each month to encourage you. I love this brand, they do planners well.”
D.
Planberry Budget Planner & Bill Organizer on Amazon
DebtorEdu Budgeting Journal
DebtorEdu budgeting journal was developed by financial experts and has more than what you’ll ever need to manage your money. There are all kinds of trackers, planning tools, lists, logs, info pages, and money challenges. All of that makes this journal one of the most extensive budgeting notebooks on the market. With this planner, you will also gain access to valuable how-to-use video tutorials.
Features
- Financial goals, strategies, and tactics
- Yearly budget and spending plan
- Monthly budget plan
- Monthly calendar
- Savings plan and trackers
- Debt repayment plan and trackers
- Bill tracker
- Various lists and logs
- Info pages
- Money challenges
- Achievements
- Pocket for bills and receipts
- Stickers
5-star review
“I love this budget planner!! It’s easy to follow and it’s motivational. It has helped me to focus on eliminating a third of my debt; my debt ratio decreased & my FICO increased!!!! I’m so very satisfied, I purchased another for my 2021 budget. It’s my go to year after year after year!! I hope DebtorEdu never stops making this “financial” planner & I hope Amazon always has it available.”
K.
DebtorEdu Budgeting Journal on Amazon
Freedom Mastery Budgeting Notebook
This budget book was made with the law of attraction in mind. What sets this book apart is that parallel to managing the money you will also work on your money mindset. Those interested in the law of attraction will find the many quotes and reflective prompts particularly valuable. With the Freedom Mastery budgeting notebook, you’ll be working on eliminating financially destructive habits and developing new ones that support your financial goals.
Features
- Financial goals and strategy
- Debt repayment plan
- Mindset
- Monthly budget plan
- Monthly calendar
- Expense tracker
- Monthly review
- Pocket for bills and receipts
- Stickers
5-star review
“This is THE best budget and Wealth planner I’ve ever had and I have went through many of them. Never write reviews but definitely needed to leave one. This planner is VERY inspirational and makes me want to constantly get in it and keep up with my finances and it also teaches you so much about how you view your finances and how you can change your perspective and become truly financially free. I LOVE this, Thank you so much for creating such inspiration!!!”
Ace
Freedom Mastery Budget Book on Amazon
Reminder Binder Budget Binder
The most colorful budgeting notebook on this list, Budget Binder makes budgeting a fun activity because of it. The book comes with a ton of perks like valuable information about budgeting and finances, subscriptions list to keep track of all the services you’re subscribed to. Binder is made of high-quality materials, it has laminated quarterly tabs with a pocket for easier navigation and storing of bills and receipts, a snap-in bookmark with a ruler, elastic strap, and comes in 7 different cover styles.
Features
- Financial goals
- Monthly budget plan
- Monthly calendar
- Expense tracker
- Monthly review
- Savings trackers
- Debt trackers
- Bill tracker
- Subscription list
- Info page
- Summary graph
- Events expense worksheet
- Holiday budget
- 4 pockets
- Stickers
5-star review
“I love this thing!! It’s super detailed and has lots of ways for me to track our incoming and outgoing finances! It also has stickers to help remind me when things will be due or need done, for example car maintenance!! I love that there is a gift section because I rarely remember what I have bought and stored or keep track or what we spent! Even has a removable bookmark to keep your place! I do wish it had extra places because we have several debt accounts, but it will definitely work just fine anyway. It also gives me serious nostalgia for junior high! I love the fun design and hells make a boring chore actually fun for me!! I searched for an entire day to find one that I liked enough to spend money on and this beat out the top listings in my opinion. 5/5 WOULD BUY AGAIN!”
Amber
Reminder Binder Budget Binder on Amazon
Legend Financial Planner
Legend created a decent financial planner with a heavy focus on goals. In the beginning, there’s a prompt to create a lifetime financial plan detailing what you want to have accomplished at a certain age. After that comes a financial plan for the following year. The design is clean and minimal which is great to keep the focus on those numbers. Legend financial planner is made of quality materials, the hardcover is sturdy and paper is thick enough. There is also a back pocket, pen loop, and elastic strap to hold everything nicely in place. All in all, it’s a wholesome budgeting notebook that made thousands of customers very happy.
Features
- Financial goals, plan, and strategies
- Monthly budget plan
- Monthly calendar
- Expense tracker
- Monthly budget review
- Savings trackers
- Debt trackers
- Bill tracker
- Summary of the year
- Stickers
5-star review
“I have tried all kinds and sizes of planners over the past 30 years. This Legend Budget Planner is my favorite!! It’s perfect. The planner is just the right size. Big enough for all of your entries. Pages are divided and sorted in a logical order without being a rigid format. Useable as yearly, monthly, weekly, or daily tracker and planner. There is plenty of extra note taking space and small pouch inside the back cover. The cover looks great and has a great feel. The attached elastic strap is super handy as is the pen holder loop. The paper takes ink well and is quite nice to write on. Light weight, solid, sturdy feel. I am very pleased with this planner and will be buying more of these!!”
James
Legend Financial Planner on Amazon
Global Printed Products Budget Planner
The largest planner on this list measures 8.5” x 11”. It comes with 12 thick dividers for each month. Every divider has a pocket to keep all the bills and receipts of the month in one place, and a tab for easier navigation. Font and writing spaces are large enough even for those with vision impairments. The planner has everything you could need to organize your finances, from savings and debt trackers to other features like project budget pages and envelopes for savings.
Features
- Monthly budget plan
- Monthly calendar and checklist
- Expense tracker
- Monthly budget review
- Bill tracker
- Project / occasion / event budget
- 12 pockets
- Envelopes
- Stickers
5-star review
“This budget planner has really helped to get me organized. It has paid for itself in just 2 months by helping to save money. I had been looking online for free printables to make my own binder but could never quite find everything I wanted. I accidentally came across this planner and it was perfect. It has a section for each month, which comes with labels for you to label yourself. Which I love In case I get lazy one month I’m not wasting the product. It is easy to use. You can track daily spending, keep track of your debts, keep track of your savings, all income coming in and monthly bills. It is sturdy with heavy card board front and back. The dividers are heavy cardstock. The pages are heavyweight and do not bleed through. I highly recommend this product for anyone trying to get financially organized.”
Angela
Global Printed Products Budget Planner on Amazon
Frasukis Budgeting Notebook
The beautiful floral planner made of quality materials comes in two sizes, 4.72” x 7.56” and 6.3” x 8.4”. Notebook is spiral-bound with elastic strap for the larger and magnetic closure for the smaller one, both have a premium quality paper. The ink used to print this planner is light blue for a nice pop of color. The smaller version comes with 12 pockets for each month while the larger one has only one. Both planners have all the elements of a really good budget planner.
Features
- Monthly calendar
- Monthly budget plan
- Expense tracker (4 pages per month)
- Monthly budget review
- Savings trackers (8 savings)
- Debt trackers (8 debts)
- Bill tracker
- Financial goals and strategy
- Summary of the year
- Stickers
5-star review
“I received my planner a few days ago and I am so impressed! It allows you to track every aspect of your finances with so many different guides to go by, as well as placing all of your receipts in the folder it includes for each month!! The quality of this planner is unreal. The front cover is hard so you don’t have to worry about it tearing and the inside pages are thick! (Not as thick as card-stock but not super thin!) I’m so excited to start using this planner and I think everyone needs this planner in their life!”
Shelby
Frasukis Budgeting Notebook on Amazon
Smart Planner Budgeting Notebook
The budget book looks luxurious with quality vegan leather, three satin bookmarks, an elastic strap, and a pen loop. Inside of the planner is equally valuable, with tons of instructions and educational material to help you along. Every month you can create a pie chart of your spending and answer reflective prompts to review your month and get the feeling of where exactly your money goes.
Features
- Financial goals
- Monthly calendar
- Monthly budget plan
- Expense tracker
- Monthly budget review
- Savings trackers
- Debt trackers
- Stickers
5-star review
“I usually do my budgets in a regular planner and jot down thoughts in a regular journal. I bought this planner and it is a life changer, it allows me to keep myself organized and to think more about my budget. The best thing is that this planner gives advice on how to pay off debt and it allows you to think positively on how in control you are about your budget. The budget planner is amazing, great quality, and has a section for weekly, monthly, and yearly overview. Great buy!”
Stephanie
Smart Planner Budget Book on Amazon
Zicoto Budget Planner
A nice little budget planner that’s made with hardcover, elastic strap, pen loop, two bookmarks, and quality no-bleed paper. The planner comes with instructions for successful budgeting. On the stickers sheet are included month tabs you can add to the planner to make navigation easier. Every month features one motivational quote to keep you inspired throughout the month.
Features
- Financial goals and strategies
- Monthly budget plan
- Expense tracker
- Monthly budget review
- Bill tracker
- Savings trackers
- Debt trackers
- Holiday budget
- Summary of the year
- Stickers
5-star review
“Very stylish and easy to use. Reasonably priced. I had to order this mid-year when a different planner from a different vendor turned out to have only 6 months of budgets (never even thought to check for that!) This one has a full year, as one would expect, with lots of nice features. I probably won’t use all the extras, like the stickers, but others may find those useful. I like the lovely choice of colors and the satin ribbon page marker. Ample room to record daily expenses along with consolidated records of monthly expenses and recurring debts. I like it so much I ordered a second one in a different color for next year. I like that this planner allows you to start at any month and move forward. Due to the aforementioned error with a different vendor, I guess I am now on a fiscal year budget calendar (July – June). Great product, great price, excellent and prompt service. Highly recommended.”
J.
Zicoto Budget Planner on Amazon
And that’s all. Thank you for reading this far and I sincerely hope you found your ideal budgeting notebook that will help you manage your money and reach the financial freedom you deserve.
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