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Smart Budget Planning Spreadsheet
Take control of your finances with our comprehensive budgeting tool
Monthly Budget
Expense Tracker
Analysis & Insights
Financial Goals
The 50/30/20 Budget Rule
50% Needs + 30% Wants + 20% Savings = 100% Financial Success
Monthly Income
Primary Income (After Tax)
Side Income
Investment Income
Other Income
Total Monthly Income:
$5,000
Monthly Expenses
Needs (Target: 50%)
Housing (Rent/Mortgage)
Utilities
Groceries
Transportation
Insurance (Health, Auto, etc.)
Minimum Debt Payments
Wants (Target: 30%)
Dining Out
Entertainment
Shopping
Subscriptions
Personal Care
Hobbies
Savings & Debt (Target: 20%)
Savings & Investments
Emergency Fund
Retirement (401k/IRA)
Other Investments
Extra Debt Payments
Budget Summary
$5,000
Total Income
$4,950
Total Expenses
$50
Remaining Balance
28.0%
Savings Rate
Budget Allocation Breakdown
Needs (Target: 50%)
50.0%
50.0%
Wants (Target: 30%)
21.0%
21.0%
Savings & Debt (Target: 20%)
28.0%
28.0%
Excellent! You’re following the 50/30/20 rule perfectly.
