50/30/20 Budget Spreadsheet

About this download

NEW: Now includes a native Google Sheets version

50/30/20 Paycheck Budget Dashboard

Give every paycheck a plan using the simple 50/30/20 rule: 50 percent to Needs, 30 percent to Wants, 20 percent to Savings and debt. Type in your paycheck, and the spreadsheet does the math for you. No formulas to write, nothing to add up by hand.

This is a digital download, nothing will be mailed.

𝗪𝗛𝗬 𝗧𝗛𝗜𝗦 𝗢𝗡𝗘 𝗜𝗦 𝗗𝗜𝗙𝗙𝗘𝗥𝗘𝗡𝗧

Most budget templates are generic. This one is built around the 50/30/20 method from start to finish. Every spending category is tagged as a Need, a Want, or Savings, so your live dashboard always shows your real split next to the 50/30/20 target and tells you which bucket is over.

WHAT YOU GET (7 tabs)

• Start Here. A plain-English guide to the 50/30/20 rule and how the workbook fits together.
• Dashboard. KPIs and charts that compare your actual Needs, Wants, and Savings to the 50/30/20 target, plus a month-by-month trend and your savings rate.
• Paycheck Allocator. Enter one paycheck. It instantly suggests the 50/30/20 dollar split for that check, then lets you fine-tune every line and shows what is left to assign. Pick your pay frequency and it also estimates your monthly take-home.
• Monthly Budget. Pick a month and see Planned vs Actual for every category, subtotaled by Need, Want, and Savings.
• Transactions. Log money in and out. The month fills in from the date and each entry is sorted into its bucket automatically.
• Categories. Edit your own categories and tag each one as Need, Want, or Savings. These tags power every chart.
• Savings & Debt Goals. Give your 20 percent a destination and track each goal to 100 percent.

𝗪𝗢𝗥𝗞𝗦 𝗘𝗩𝗘𝗥𝗬𝗪𝗛𝗘𝗥𝗘

Upload to Google Sheets (New, File upload, Open with Google Sheets). Prefer paper? Every tab prints cleanly.

𝗛𝗢𝗪 𝗜𝗧 𝗪𝗢𝗥𝗞𝗦

Instant digital download. After purchase, download the spreadsheet file and start typing in the white cells. The shaded cells are formulas that update for you.

This spreadsheet is for general budgeting and educational purposes only and is not financial advice.

Designed by me, created using AI tools.

The Etsy listing is the final source for what is included. See it on Etsy.