50/30/20 Monthly Budget Template | Expenses Tracker | Digital Budget Planner | Budget Spreadsheet for Excel and Google Sheets

Start to becoming more organized in your budget by following 50/30/20 budget debt-free and easily have a debt repayment plan with this Debt Snowball Spreadsheet. It is designed for Excel and Google Sheets. Include all necessary formulas to calculate and spread your payment automatically. And, it has additional column to adjust your payment by adding, if you have more budget, or subtracting, if you need the money for other purposes.

NEEDS (50%) are expenses that you must expense for all the essentials that would be difficult to live without. 50% of your after-tax income should cover your most necessary costs. Needs may include: monthly rent, electricity and gas bills, basic clothes, transportation, insurances, minimum loan repayments and groceries.

WANTS (30%) are defined as non-essential expensesthings that you choose to spend your money on, although you could live without them if you had to. Examples are dining out, clothes shopping, holidays, gym membership, entertainment subscriptions.

SAVINGS (20%) are remaining amount that you should save for future usage. It includes extra payment for debt repayments.

The 50/30/20 rule doesnt mean not being able to enjoy your life. It simply means being more conscious about your money by finding areas in your budget where youre needlessly overspending. Do not need to worry about misplacing your spending in this spreadsheet or confuse on choosing the right category. It is just a simple tool to get you more organized.

FEATURES:
Accommodate up to 15 income categories, 30 Needs and Wants categories, 15 savings categories and 14 debts extra payment categories
Separate month tabs (12 month tabs)
Separate actual expenses table to write monthly actual expenses
Start from any months
One annual overview tab
Automated 50/30/20 calculation based on your income budget and actual expenses

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You can reuse this spreadsheet as many as you want.

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Drop me a message if you have any questions. I will answer it within 24 hours.

What’s included:
1 ready-to-use Excel spreadsheet
1 Excel spreadsheet with data samples
1 text file with Google Sheets link

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You can use this spreadsheet without any modification. But, you can modify all shown worksheets layouts (change fonts, color, etc), tweak its formula to suit your needs. Remember that all worksheets are connected. You may need some knowledge to modify the all formulas correctly.

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This is a digital download product – no physical product.

You can download your digital files through 2 different ways:

1) Within , Go to ‘Your Account’, then ‘Purchases & Reviews’. You can see a download link there.
2) Purchaser will receive an email with a download link within 24 hours of purchase. The email will be sent to the email address purchaser provided at time of purchase.

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How to get it:
Add this item to your cart,
Choose the payment method,
After you complete the payment you will see the link for downloading the files. They will be available in your purchase area ( You should receive an email as well. You may check your spam folder if you didn’t receive the email.
Download the file(s),

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System Requirements:
>> a minimum Microsoft Excel 2007 for Windows and Excel 2008 for Mac or Google Sheets.

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Notes :

All sales are final.
All of the files included in this download are original and copyright to growSHEET. They are for your personal use only and cannot be resold in any shape or form.
If you have any problems, please contact me via ! Thank you for shopping.