Zero Based Budget Spreadsheet for Excel, Monthly Budget Template, Expense and Bill Tracker

Give every part of your income a job, then see how your real spending compares with your plan.

This undated, beginner-friendly budget workbook brings your monthly plan, everyday transactions, bill due dates and annual overview together in one calm, organized layout. Amber input cells show you where to start, and automatic totals help you review your numbers.

WHAT YOU CAN DO
• Plan monthly income and allocate it across spending and savings categories.
• Compare budget vs actual amounts and see what remains in each category.
• See how much planned income is still left to allocate.
• Spot overspending with clear category warnings.
• Log income, expenses, refunds, savings contributions, withdrawals and transfers.
• Keep a bill due-date checklist with Paid, Overdue, Due soon and Upcoming statuses.
• Review the year with income/spending and net-savings charts.
• Choose from 46 currency display codes, including USD, CAD, EUR, GBP, AED, SAR, QAR, KWD, PKR, INR and JPY.

WHAT IS INCLUDED
1. Editable CLEAN XLSX workbook for your own entries.
2. Separate EXAMPLE XLSX workbook with fictional entries to help you learn.
3. Four printable worksheets in A4 PDF: monthly budget, transaction log, bill checklist and annual overview.
4. The same four printable worksheets in US Letter PDF.
5. A five-page Quick-Start PDF guide and Read Me.

The workbook has five tabs: Monthly, Annual, Budget Plan, Transactions and Bills. It includes 600 budget-plan rows, 2,000 transaction rows and 240 bill rows. Categories are fixed in this edition; Other spending is available for extra costs. Start a new copy when you reach the prepared row limits.

CURRENCY & DATE DETAILS
Choose ONE currency per workbook. This product does not convert currencies, fetch exchange rates or combine multiple currencies in one budget. The selector changes the display code and decimal precision; existing amounts do not change. JPY, KRW and VND use 0 decimals; KWD, BHD, OMR and JOD use 3; the other included codes use 2.

Included codes:
USD, CAD, EUR, GBP, CHF, SEK, NOK, DKK, PLN, CZK, HUF, RON, AED, SAR, QAR, KWD, BHD, OMR, JOD, ILS, TRY, PKR, INR, BDT, LKR, NPR, JPY, CNY, HKD, SGD, MYR, IDR, THB, PHP, VND, KRW, TWD, AUD, NZD, MXN, BRL, ZAR, EGP, MAD, NGN, KES.

Dates display day + month name + year, such as 19 Oct 2026. Choose any month and year from 2000–2099. This is an English-language workbook; it is not a translated, tax or country-specific accounting template.

BEFORE YOU BUY
• Digital download only. No physical product will be shipped.
• XLSX files are intended for editing in a desktop spreadsheet app. A spreadsheet application is not included.
• Tested in Microsoft Excel Online and Google Sheets. Best experience in desktop Excel; some formatting may look slightly different in Google Sheets.
• No macros, bank sync or external workbook links.
• Printable PDFs are for handwriting; they are not fillable forms and do not sync with Excel.
• Use the positive-amount transaction rules in the guide. Transfers are excluded from income, expenses and savings so they are not counted twice. Bill reminders do not add expenses automatically.
• Input cells are editable; the workbook is not password-protected. Please keep automatic cells unchanged.
• The screenshots show fictional example entries. Your CLEAN workbook starts with no sample financial records.

HOW TO START
Download and unzip the files. Open the Quick-Start Guide, save a copy of the CLEAN workbook, then choose your month, year and currency on Monthly. Build your plan, log transactions and review your progress.

For personal budgeting use. Do not resell or redistribute the files. If you need help with your purchase, contact RockPaperPop through Etsy.

FAQ
Does it work in Google Sheets?
It was tested in Microsoft Excel Online and Google Sheets. Desktop Excel gives the best experience, and some formatting may look slightly different in Google Sheets.

Is it dated?
No. It is undated, so you can start in any month.

Does it connect to my bank?
No. There is no bank sync and there are no macros. You type in your own numbers.

I'm new to budgeting. Is it hard to use?
The amber cells show you where to type, and the totals update automatically.

Is anything shipped?
No. This is an instant digital download. No physical item is shipped.