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Zero-Based Budget Spreadsheet | Monthly and Annual Planner, Debt Payoff, Net Worth (Google Sheets and Excel)

JetztPreis:15,75 €

Ursprünglicher Preis: 16,58 €

5 % Rabatt

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Sale endet am 29. Oktober

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Highlights

  • Party-Deko für Zusammenkünfte und Feste
  • Digitaler Download
  • Digitale(r) Dateityp(en): 2 PDF, 1 andere Datei
  • Der Text in diesem Download ist möglicherweise in einer anderen Sprache
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Frequently Asked Questions

Q: Will this work if I've never used a spreadsheet budget before?
A: Yes. It's built for total beginners. Yellow cells are the only cells you ever type in - everything else (grey cells) calculates itself. A step-by-step Instructions PDF walks you through your first 15 minutes, and the Start Here tab checks your formulas are intact every time you open it.

Q: Do I need Google Sheets* or Excel*?
A: Either works - your purchase includes both. Click the included link to make your own copy in Google Sheets* (free with any Google* account), or open the separate .xlsx file in Excel* 2019 or newer on Mac* or Windows*.

Q: Is my financial data private?
A: Completely. Your copy lives only in your own Google Drive* or on your own computer. We never see, collect, or have access to your numbers.

Q: What if I mess up a formula by accident?
A: You basically can't, permanently. Grey formula cells turn red the instant one gets typed over, so you see the mistake immediately - just press Undo (Ctrl+Z / Cmd+Z). Nothing is locked, so you're always free to customize, but the color-coding protects you from silent mistakes.

Q: Can I use my own budget categories instead of the starter list?
A: Yes. A starter list of 26 common categories (rent, groceries, debt, subscriptions, savings, etc.) is pre-loaded, but you can rename, delete, or add categories on the Settings tab - the whole workbook updates everywhere at once.

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Take control of your money - every month AND the whole year at once.

The Ultimate Zero-Based Monthly & Annual Budget is a 13-tab spreadsheet system built for anyone tired of budgeting apps that don't show the full picture. Plan a full year of spending in five minutes, log transactions as they happen, and watch every number - bills, paychecks, debt, savings, net worth - reconcile itself automatically.

What's inside:
- Settings - your income, accounts, and budget categories, set once
- Annual Plan - every category planned across all 12 months, with smart per-category defaults
- Monthly Budget - true zero-based budgeting: planned vs actual, until "Left to Budget" hits $0
- Transactions - one running log of every dollar in and out (1,000 rows)
- Bills & Subscriptions + Bill Calendar - a 12-month paid tracker and an automatic "what's due this month" view
- Paycheck Planner - log every paycheck and see exactly what's left after bills and savings
- Sinking Funds & Goals - save toward vacations, gifts, or repairs without touching everyday spending
- Debt Payoff - Snowball or Avalanche, ranked and dated for you automatically, with payoff date and total interest
- Net Worth - assets minus liabilities, tracked and charted every month
- Annual Dashboard - your whole year in 8 KPI cards, a Needs/Wants/Savings snapshot, and 4 automatic charts
- Instructions - a full plain-English guide, included as its own PDF

Why people love it:
- Ships completely blank - no demo numbers to delete, start with your first real paycheck
- Color-coded so you never lose a formula: yellow = type here, grey = automatic, red = warning
- Nothing is locked - full control, with built-in protection from accidental overwrites
- No subscriptions, no macros, no add-ons - pay once, reuse it every year
- Works equally well for biweekly, weekly, semi-monthly or monthly pay

Instant download includes:
1. Google Sheets* delivery PDF with a one-click "make a copy" link
2. Excel* version (.xlsx) - Excel 2019+ on Mac* or Windows*
3. Full Instructions PDF (setup, safe resizing, formula protection, FAQ)

Questions before or after buying? Message us any time - we're ProFormaGrid and we're happy to help. More budgeting templates for every kind of household at proformagrid.com.

*Google, Google Sheets, Google Drive and Gmail are trademarks of Google LLC. Microsoft, Microsoft 365 and Excel are trademarks of Microsoft Corporation. Mac and iPhone are trademarks of Apple Inc. Android is a trademark of Google LLC. ProFormaGrid is not affiliated with, endorsed by, or sponsored by any of these companies.

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Eingestellt am 25. Sept. 2026
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