50/30/20 Budget Template

50/30/20 Budget Template — One Simple Rule: Needs, Wants and Savings.

Enter your monthly income and the template splits it the 50/30/20 way — 50% needs, 30% wants, 20% savings — then compares what you actually spend in each bucket against its target. Comes pre-filled with a complete example month, a Needs / Wants / Savings dropdown menu and colour-coded amounts.

What's inside

• Automatic 50/30/20 targets from your monthly income
• Spending sheet with preset Needs / Wants / Savings categories
• Needs / Wants / Savings dropdown menu in the Type column
• Actual vs target comparison for each bucket via live formulas
• Pre-filled example month included — see exactly how it works, then type over it
• Works in Excel, Google Sheets and LibreOffice
• Printable A4 PDF version included

How it works

Open the spreadsheet in Excel, Google Sheets or LibreOffice. Fill in the gold input cells — every total, balance and percentage calculates automatically. It comes pre-filled with example data so you can see exactly how it works — just type over the examples with your own numbers. Category and status columns have dropdown menus, and key columns colour-code themselves as you type. Prefer paper? A print-ready A4 PDF version is included.

Specifications

• Format: XLSX (live formulas) + printable PDF + read-me
• Works in: Excel, Google Sheets, LibreOffice
• Currency: ₹ by default — switch to any currency in one step (Format Cells)
• License: full rights — use, edit, rebrand & resell
• Updates: free for life

Full rights

Sold with full rights: use it personally or with clients, edit anything, and even rebrand and resell it — keep 100% of the income, no attribution required. Customise before reselling (marketplaces reject identical duplicates).

Please note

A personal organisation tool, not financial advice. Digital download — delivered instantly, so all sales are final; future updates are free.