If you are struggling with budgeting and need a place to start, this zero-based budget spreadsheet is designed to make it easy to follow a budget and get your finances in order all in one place.
A zero-based budget is a budget where everything has to equal zero. Your income, expenses, savings, debt payments all equal zero. This budgeting process assigns a job to every dollar that you bring in. It is an extremely effective way to manage money.
With a zero-based budget, you can make sure you’re covering things like savings contributions, debt repayments, etc. Budgeting this way will make you think about every expense you have and whether you need a certain item. If you struggle with financial health, not having an idea of where your money goes, consider using this budget worksheet.
This Google Sheets annual budget spreadsheet will show you when you have budgeted for all of your money. It also is compatible with Microsoft Excel.
Each tab is a monthly budget worksheet for every month, and they all feed into an annual report tab.
The best part is that you can break down your month by paycheck and plan exactly what you want to pay for with each paycheck! It is a fantastic and easy to way see all of your money and have more control over where it is going.
It’s easy to use, all of the calculations are done for you, and you only need a free Google account and Google sheets to use it.
In addition to a zero based budget template, also included in this Google Sheets budget template is a net worth tracker. By simply entering and updating balances for things you own and things you owe, it will give you a quick snapshot of your financial health in one place.
This Zero-Based Budget Spreadsheet includes:
-1 link to 1 Google sheets file template with 16 tabs in total.
-12 tabs for every month where you will enter budget and actuals and ensure it follows the zero-based budget method
-1 tab showing your annual actuals and budget. All of your monthly data will automatically flow onto the main dashboard!
-1 interactive dashboard showing metrics such as budgeted expenses vs actuals, how your income is disbursed, expenses by major category, etc.
-Microsoft Excel version
HERE’S HOW IT WORKS:
✓ For Google Sheets, you need a Google account (which is free) and a computer to use this worksheet
✓ You will receive Instructions after purchasing and the link to the Google sheet document will be in there.
✓ When opening in Google Sheets, it should prompt you to “Make A Copy”.
✓ You will also receive instructions on how to use your budget worksheet
✓ If you have questions, comments or issues, message me on Etsy
✓ Finally, I would love it if you reviewed my product as it helps me grow on my mission to help others just like you with their finances and overall health!
✓ For Excel version, you will need a Microsoft subscription
IMPORTANT:
This is an instant digital download; no physical product will be shipped to you.
No refunds, exchanges, or cancellations on digital purchases.
FOR PERSONAL USE ONLY- files may not be shared or re-sold.
If you have any questions on how to use, please reach out to us!
