Personal Budget Template | 50 30 20 Rule Spreadsheet | Monthly Budget Tracker | Google Sheets | Expense Tracker

Build a budget that actually works. This Personal Budget Template uses the proven 50/30/20 rule to help you allocate your income — 50% to needs, 30% to wants, and 20% to savings and debt payoff.

WHAT IS INCLUDED
- 50/30/20 budget framework pre-built with category breakdowns
- Monthly income tracker for all income sources
- Expense categories organized by needs, wants, and savings
- Actuals vs. budget comparison to see exactly where you are over or under
- Monthly summary dashboard with totals at a glance
- Annual overview tab covering all 12 months in one view
- Instructions tab with step-by-step setup guide

HOW IT WORKS
1. Enter your monthly take-home income
2. The template auto-calculates your 50/30/20 targets
3. Log your actual expenses each month in each category
4. See at a glance where you are on track and where to adjust

Works with Google Sheets (free).

After purchase, you will receive a link to make your own copy of the Google Sheet.

Perfect for: anyone starting their first budget, people who want a simple framework, those looking to cut expenses or increase savings rate.

📥 ACCESS YOUR TEMPLATE: https://docs.google.com/spreadsheets/d/1AhY_yEgrE6VxxbmwII-D5SP7F60YiVXG5I171uUVksc/copy