Take control of your money with a clean, easy-to-use budget planner built on the 50/30/20 rule. It works in Microsoft Excel and Google Sheets, with no macros and nothing to install.

WHAT'S INSIDE

• Budget: choose a month, enter your take-home income, and set planned amounts for up to 20 categories. Actual spending fills in automatically, with a chart and a Needs / Wants / Savings check against your targets.

• Transactions: log expenses and savings with a category dropdown. Room for 2,000 entries.

• Yearly Summary: all 12 months side by side, with income, Needs / Wants / Savings, what's left over, and a chart.

• Debt Payoff: list up to 10 debts to see months to clear, interest, and how much an extra payment saves. Includes Snowball and Avalanche order.

• Savings Goals: track up to 8 goals and see the monthly amount needed to reach each one.

• Settings: change your 50/30/20 targets and pick your currency code (USD, EUR, GBP and more).

• Start Here: a short step-by-step guide.

WHY YOU'LL LIKE IT

• Formulas are already built in. Just type in the yellow cells.

• Grey cells are calculated for you.

• Example rows show the expected format. Clear them and start.

• Rename categories and groups to fit your life.

• Works on desktop and mobile through the Excel or Google Sheets app.

HOW TO USE

1. Download the file and open it in Excel or upload it to Google Sheets.

2. Enter your income and planned amounts on the Budget tab.

3. Log your transactions and watch the numbers update.

PLEASE NOTE

This is a digital download (.xlsx). No physical item will be shipped. It is a record-keeping and planning tool only, not tax, legal or financial advice. The 50/30/20 targets are a common rule of thumb, and the debt calculator gives estimates only.