The Myers-Briggs personality test is a popular way to measure how people interact with the world around them. There are four primary types of personalities: Analysts, Diplomats, Sentinels, and Explorers. Each type has its own strengths and weaknesses when it comes to budgeting.

What’s your ideal budgeting style? Are you a spender or a saver? Do you like to plan every little detail, or do you prefer to go with the flow? According to your Myers-Briggs personality type, there’s a specific budgeting style that will suit you best.


The Analyst personality type includes Architects (INTJ), Logicians (INTP), Commanders (ENTJ), and Debaters (ENTP).


Money motto: “Save now, spend later.”

Analysts are practical and logical, and they believe in delayed gratification. They know it’s important to save for a rainy day and that if they want something, they should wait patiently and save up for it.

Ideal budgeting style: traditional spreadsheet

Analysts like numbers and data, which is why spreadsheet budgeting may be best for them.  This method allows you to track your spending and income in an organized way, then dig back through the data when you want to crunch some numbers.

Analysts tend to be very frugal and rarely splurge on unnecessary things. So while traditional spreadsheets may be too passive for big spenders, it’s likely just right for money-conscious Analysts.

Apps you might like

Traditional spreadsheets are 100% free and are often set up in Excel or a Google spreadsheet. Money Under 30 has some free monthly budget spreadsheets you can download. The downside is that traditional spreadsheets are manual, so you have to track income and expenses yourself.

If you prefer something more automatic, check out Tiller Money. It’s a budgeting spreadsheet that connects your bank accounts, so your income and expenses get automatically updated every day.

Diplomats – INFJ, INFP, ENFJ, ENFP

The Diplomat personality type includes Advocates (INFJ), Mediators (INFP), Protagonists (ENFJ), and Campaigners (ENFP).


Money motto: “It’s better to give than receive.”

Diplomats know that money isn’t everything, and that there are more important things in life than material possessions. That’s why they tend to be more sentimental than practical. When it comes to spending, Diplomats are more likely to splurge on an expensive gift for a loved one, even if they can’t really afford it.

A good money mantra for Diplomats is: “I am mindful of my spending and save for what is important to me.”

Ideal budgeting style: 50/30/20 budget

Diplomats are creative and compassionate, and they’re often very good at empathizing with others. They may have a hard time sticking to a strict budget, as they’re more likely to make spontaneous purchases that they feel will make others happy.

The 50/30/20 method may be a good fit for Diplomats, as it allows them some flexibility while still helping them stay on track financially. This method involves allocating 50% of your income to essential expenses, 30% to non-essential expenses, and 20% to savings or debt repayment.

Read more: The 50-30-20 Budget Explained – An Easy Budgeting Method to Follow

It could even be helpful for Diplomats to do a 50/20/20/10 budget where they allocate 50% to essentials, 20% to non-essentials, 20% to savings, and 10% to charitable giving.

Apps you might like

PocketSmith is a budgeting app that aims to help users better manage their finances. The app offers a variety of features, including the ability to create budgets, project future spending, and set financial goals.

PocketSmith’s forecasting feature, in particular, could be good for Diplomats who need a reality check on how their spending could impact them a few months from now.

Sentinels – ISTJ, ISFJ, ESTJ, ESFJ

The Sentinel personality type includes Logisticians (ISTJ), Defenders (ISFJ), Executives (ESTJ), and Consuls (ESFJ).


Money motto: “A penny saved is a penny earned.”

Sentinels are thrifty and hardworking. They know it’s important to live within their means and to save for the future. So when it comes to spending money, they don’t take risks.

Ideal budgeting style: zero-based budget

Sentinels tend to have strong organizational skills and like to plan ahead. So the best budgeting method for them is the zero-based budget.

This system involves creating a budget where you allocate all your income towards expenses, savings, and debt repayment until there’s no money left over. This ensures every dollar has a purpose, so you don’t overspend.

Apps you might like

The best app for zero-based budgeting is You Need A Budget (YNAB). I’ve been using YNAB for over seven years. And in true Sentinel fashion, it’s become a core part of my routine.

YNAB is great because it makes it easy to create and stick to a budget. You assign every dollar of income a job, so you always know where your money is going. You can also track your net worth and spending, and set up “Debt Paydown” goals to help you get out of debt faster.

Explorers – ISTP, ISFP, ESTP, ESFP

The Explorer personality type includes Virtuosos (ISTP), Adventurers (ISFP), Entrepreneurs (ESTP), and Entertainers (ESFP).


Money motto: “You only live once.”

Explorers are adventurous and spontaneous. They like new experiences and dislike being tied down. When it comes to spending money, they’re more likely to impulse buy or make spur-of-the-moment purchases.

Ideal budgeting style: envelope system

The envelope budgeting system could help Explorers stay on track financially while still allowing them some flexibility to have fun.

With this system, you allocate a certain amount of money for each category of expenses (e.g., food, entertainment, etc.) and put that money into separate envelopes. Once the money in an envelope is gone, you can’t spend any more in that category until the next month.

Read more: How to Make the Envelope Method the Best Budgeting Method

Apps you might like

A physical cash envelope system is one option, but it likely won’t work if you don’t carry cash. Instead, you could try a “virtual” envelope system through an app like Goodbudget or Mvelopes.

Both apps let you set up virtual envelopes for saving and spending, and give you tools to track your progress along the way.


No matter what your Myers-Briggs personality type is, there is a budgeting method out there that will work for you. The key is to find the system that fits your lifestyle and stick with it.

And remember, budgeting is a lifelong habit, not a one-time fix. If you find that you’re struggling to stick to your budget, don’t be afraid to try out another method until you find one that works for you.

Featured image: Master1305/

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About the author

Cassidy Horton
Total Articles: 51
Cassidy Horton is a finance writer who specializes in banking and insurance. She earned her MBA and bachelor’s degree in public relations from Georgia Southern University — and has since published hundreds of finance articles online for Forbes Advisor, The Balance, Money,, and more. When she's not helping Millennials and Gen Zers gain control of their finances, you can find Cassidy hiking around the Pacific Northwest, cuddling her two cats, and eating way too much fried chicken. Connect with her on or LinkedIn to see what she’s up to next.