A6 Budget Planner Binder (with rose gold text on the front and inside) 4 Zipper envelopes with text + 1 Extra zipper envelope without text 1 Pen   This planner is artificial leather (material that does not involve animals), has 6 stainless steel rings, 4 pockets cards and 2 large pockets, holds up to 2 pen and 75-100 sheets of refill paper. This binder does not include refill paper.