50/30/20 RuleCSV / Sheets
50/30/20 Budget Template
The classic framework dividing net income into 50% Needs, 30% Wants, and 20% Savings & Debt.
Who it is for:
Beginners, professionals, and anyone seeking a high-level, low-maintenance financial plan.
Zero-Based BudgetingCSV / Sheets
Zero-Based Budget Template
Assign every dollar a job so Income minus Allocations equals exactly zero before the month starts.
Who it is for:
Goal-oriented planners, individuals tackling aggressive debt payoff, and strict budgeters.
General Budget PlannerCSV / Sheets
Simple Monthly Budget Template
A straightforward, clutter-free income vs. expense planner focused on your net bottom line.
Who it is for:
Anyone wanting a clear, no-nonsense snapshot of monthly cash flow without complex rules.
Student Cash FlowCSV / Sheets
Student Budget Template
Tailored for college students and apprentices balancing part-time income, financial aid, and study costs.
Who it is for:
College, university, and vocational students managing tight or fluctuating funds.
Joint & Split Household BudgetCSV / Sheets
Household & Couples Budget Template
Manage dual incomes, joint expenses, shared goals, and individual personal spending without friction.
Who it is for:
Couples, families, and co-habitants managing shared living costs and combined finances.
Need help picking a template?
If you are completely new to budgeting, start with the 50/30/20 template. If you have aggressive debt payoff goals, choose the Zero-Based template.