MONTHLY BUDGET SPREADSHEET

Take control of your finances with the 50/30/20 Budget Spreadsheet, a simple and effective way to organize your income, track essential expenses, and build savings. Designed for both beginners and experienced budgeters, this template provides a clear structure to help you manage your money with confidence.

What is the 50/30/20 Rule?

This popular budgeting method divides your income into three key categories:

– 50% Needs – Essential expenses like rent/mortgage, utilities, groceries, transportation, and insurance.

– 30% Wants – Non-essential spending, such as dining out, entertainment, subscriptions, and travel.

– 20% Savings & Debt Repayment – Building financial security through savings, investments, and paying off debt.

Who Can Benefit from This Template?

– Young professionals looking to manage income and expenses efficiently.

–  Families who want an easy way to track household finances without complexity.

– Anyone aiming for financial discipline using a structured and straightforward budgeting approach.

Why Use This Budgeting Template?

✔ Simple & Easy to Use – The 50/30/20 breakdown makes budgeting straightforward and less overwhelming.
✔ Clear Financial Goals – Ensures a portion of your income is always directed toward savings and debt reduction.
✔ Balanced Spending – Helps prevent overspending while still allowing room for enjoyment.
✔ Flexible & Adjustable – Easily modify percentages or categories as your financial situation evolves.
✔ Encourages Saving & Investing – Keeps financial growth a priority without restricting your lifestyle.

Key Features:

✅ Automated Calculations – Simply enter your income, and the spreadsheet distributes amounts accordingly.
✅ User-Friendly Layout – A clear dashboard helps you track spending, savings, and financial progress.
✅ Fully Customizable – Adjust categories and percentages to fit your personal budgeting needs.

This budgeting template is more than just a tool – it’s a practical system that helps you stay on top of your finances while maintaining a balanced lifestyle.

WHAT’S INCLUDED?

– Step-by-step instructions 
– 4 Templates of Spreadsheets
– Sample Google Sheet with Mock Data
– Blank Google Sheet
– Sample Excel with Mock Data
– Blank Excel
– Editable in Google Sheets and Microsoft Excel
– Compatible with MAC, PC, Phones, or Tablets

HOW IT WORKS & REQUIREMENTS

YOU WILL NEED:

– A device to access Google Sheets or Microsoft Excel
– A Google Account (if using Google Sheets)
– Microsoft Excel software (if using Excel)
– Basic computer skills

HOW IT WORKS:

1. Purchase and download instantly.
2. Open the PDF file to access the Google Sheet link.
3. Download the Excel template.
4. Open the spreadsheet and start planning!

IMPORTANT TO KNOW:

– This is a digital download; no physical items will be shipped.
– Due to the nature of digital products, all sales are final, and refunds are not available.

COLOR DISCLAIMER:

Please note that colors in the spreadsheet may vary slightly due to screen display differences on your device. This can include variations in color on phones, tablets, and computers.

Note: For the best experience, we recommend using a desktop or laptop for full editing capabilities.