Monthly Budget Planner Spreadsheet – Zero-Based & 50/30/20, Bill Tracker, Savings Rate & Auto Dashboard | Google Sheets & Excel

Stop guessing where your money goes. This Monthly Budget Planner turns a messy month into one clear picture.Just two steps:1. List your income.2. Log expenses and pick a category from the dropdown.Everything else is automatic:- Total income, total expenses, and net cash flow- Your savings rate, calculated for you- A 50/30/20 view (Needs / Wants / Savings) with target vs. actual and a difference column, so you can see exactly where you are over or underWhat's inside:- Auto-calculating Dashboard- Income log- Expense log with a category dropdown (the 50/30/20 type fills in for you)- Editable Categories tab- START HERE guideWorks in Google Sheets (free) and Microsoft Excel. Instant digital download — no physical item is shipped. Make a copy each month to build a year of history.Note: This is a spreadsheet template for personal budgeting, not financial advice.

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