Best Budget Planners for Over Spenders |Top 3 Apps|

It may seem like a small choice at first and it’s often overlooked by first timers but the right budgeting planner may be the difference between financial catastrophe or successful planning for the years to come.

First things first. It’s important to assess why you need to budget, especially if you’re not good at setting boundaries with yourself or have a big goal in sight. Using the best budget planners is essential to pinpoint exactly how far your money will take you before the next payday arrives.

Any of the best budget planners will keep mental gymnastics at bay when it comes to money. Stopping you from spending money you don’t have, prepare for emergencies, pay off debt faster, buy Christmas gifts without recurring to credit cards, purchase yourself something nice and act guilt free according to realistic expectations.

A great budgeting platform makes room for you to focus on the big picture instead of wasting time counting pennies.

If you’re a big-time spender like me, then you’ll more than likely benefit from the best budget planners to bring some peace into your wallet and trust me, you’ll thank yourself later.

Beware though, budget planners are not magical pills to solve your problems, all the work is intentional and done by yourself in order for their use to pay off.

Here are our top 3 budgeting software suggestions:


best budget planner

YNAB requires its users to be actively involved in setting goals, it works by adding available balance and adjusting it according to expenses. Users can create or remove categories as needed to cover any unexpected events.

Although not required, the platform also offers automated importing of transactions through a linked bank account. They currently support 103 banks in 11 countries, with more being added over time.

Check out if your bank is supported by clicking here.

We strongly encourage you to log your financial activity manually, at least in the beginning as it’s faster and easier to spot your bad habits when it comes to handling money. Over time the faded barrier between you and the impulses to spend carelessly will intensify and become clear to see.

YNAB forces users to be true to themselves, confronting them with the fact that money doesn’t stretch.


⦁ Supports a wide range of bank accounts
⦁ Customizable categories
⦁ Free 34 days trial
⦁ Free educational resources available
⦁ Goal setting tools


⦁ $14.99/month or $98.99/year
⦁ Steep learning curve
⦁ Regular disciplined interaction
⦁ Doesn’t track investment accounts

You can click here to access the website.

2- Mint

best budget planner

Mint was founded in 2006 and purchased by the software company Intuit in 2009. It’s an exceptional service which won multiple awards so far due to its simple, yet powerful financial tools.

The software can be accessed through a web browser or via app (available to both Android and IOS) and its features are handy for users who don’t need a complex solution.

It’s a straight forward tool that takes no longer than 5 minutes to set up and it’s completely free. On top of this, Mint allows its users to track their credit score and also has an investment tracking option available that allows users to compare their portfolio with market benchmarks.

Mint is useful for people who need to:

⦁ Budget
⦁ Stay on top of their credit score
⦁ Quickly review personal finances
⦁ Manage goals

The platform has artificial intelligence technology that its developers continuously improve with each update, making it the top pick for users who want a constantly updated free service.

Side Note: Click here to find out how often your credit score is updated.

Mint Pros

⦁ Free to use
⦁ Free credit score access
⦁ Intuitive
⦁ Budgeting tools
⦁ Weekly account summaries

Mint Cons

⦁ Intrusive ads
⦁ Sync issues
⦁ Discontinued bill payment
⦁ No report generation

Click here to access the Mint’s website.

3- Pocketguard

best budget planner

Just like the previous two options, PocketGuard is among the best budget planners you can have, users have the choice to link a credit and/or debit card to the app which will directly register the purchases.

Pocketguard offers a free version and a paid one that goes by the name of Pocketguard Plus, users can unlock premium features for $4.99/month or $24.99/year to lay their hands on detailed budgeting material. Alternatively, there’s also a lifetime subscription which may be the best bang for the buck, only one payment for $79.99.

The paid version unlocks the following features:

⦁ Custom categories
⦁ Unlimited budgets
⦁ Unlimited goals
⦁ Debt payoff plan
⦁ Split transaction
⦁ Export transactions
⦁ Change transaction date
⦁ Extended transaction history
⦁ Track cash you spend and receive
⦁ Cancel unwanted subscriptions

Pocketguard offers the best of both worlds, a free solution with limitations for less demanding users who want to access their budget on the go, but at the same time, a complete package for advanced users willing to pay a monthly/annual fee.

Its interface is heavily optimized for mobile so users never miss out on any transactions wherever they are.

Pocketguard Pros

⦁ Free version
⦁ In my pocket feature (indicator of money to spend guilt-free)
⦁ Tracking of cash transactions (with Pocketguard Plus)
⦁ Low price for premium

Pocketguard Cons

⦁ Free version has major limitations
⦁ Support can only be reached by email

Check out Pocketguard’s website by clicking here.

Bottom Line

If you’re still uncertain or hesitant about budgeting, we’d like to tell you that you’ll lose absolutely nothing by trying out any of the best budgeting planners.

Although YNAB’s monthly subscription is by no means cheap, it’s meant to bring advanced users everything they need to budget, it’s a complete package. We recommend you give it a try remembering you that they offer 34 days to test their software for free (no credit card data needed during this period).

There are also free solutions if your needs are not as demanding, such as Mint or Pocketguard, they meet all the basics required to start budgeting while having no cost, coming as great solutions for beginners.

We’d like to know if you’ve tried any of these budgeting platforms and your experience with them, feel free to leave us a comment down below.


Leave a Reply

Your email address will not be published. Required fields are marked *