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Zero-Based Monthly Budget WorksheetCalendar
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Mar 2018
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Month / Year32018----will auto-populate calendar-->SMTWThFSSMTWThFSSMTWThFS
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Budget weeks this month4Feb 2018Mar 2018Apr 2018
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 123 1231234567
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times paid this monthEstimate per PaycheckEstimate Total4567891045678910891011121314
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Income 12$1,000$2,000111213141516171112131415161715161718192021
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Income 24$400$1,600181920212223241819202122232422232425262728
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income 30$0$025262728 252627282930312930
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Total Est. Income3,600.00 May 2018Jun 2018Jul 2018
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Total Est Expense2,962.88 12345 121234567
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Overage/Shortfall637.1267891011123456789891011121314
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131415161718191011121314151615161718192021
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202122232425261718192021222322232425262728
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Life Insurance needed$345,600 to $432,0002728293031 24252627282930293031
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3-6 Month Emergency Fund target$8,889 to $17,777
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Budgeting Instructions
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1. Fill out info in Yellow above, clear out sample data.
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2. Set your budget. Fill out the Budget spreadsheet (category, weekly/monthly budget only)
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3. Fill out the dates & weekly income in right side of Budget sheet
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4. Determine how you will manage the money, fill out C/E/S/A column on Budget sheet (C=Checking, S=Savings, E=Envelope, A=Autodraft). Items marked with "E" will show up on the Report- Envelope tab, items marked with "S" will show up on the Report - Savings tab.
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5. Allocate income for each week vs the budget on the budget sheet.
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6. As things are paid for... if differences arise (budget vs actual), change the spreadsheet in the weekly allocation area OR add an adjustment for the difference on next weeks paycheck.
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Debt sheet instructions
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List all your non-mortgage debts from smallest to largest
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This is an optional sheet, just used to keep track of debts that you're trying to tackle.
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Savings Sheet instructions
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1. This sheet is optional but highly useful. Use to keep track of what the money in your savings account is for.
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2. Set up the columns that you want to track in your savings account. I would suggest checking the Report - Savings tab and using those columns. Then on your paydays you can copy and paste over to the Savings sheet when you make your transfers.
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Report - Savings
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This sheet is automatically populated based on budget lines that have been flagged as savings (s) in the C/E/S/A column. You don't need to change anything
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Lump Sum Payments
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Use this to help determine monthly savings amount required for yearly/quarterly or other irregular expenses.
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Suggestions:
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1. At the beginning of each month, plan out your budget for the NEXT month by creating a new copy of the spreadsheet and adjust Budget & Income info.
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2. Clear out the Savings sheet for the next month spreadsheet.
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3. When starting the new month, copy the final total from last months savings spreadsheet to the beginning balance of the current savings sheet.
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4. Everyone's situation is different. Change the spreadsheet to suit your needs!
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If you have suggestions to improve this worksheet or need clarification please send note to hoghat@gmail.com
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If you like this spreadsheet, help feed my ego by rating this spreadsheet in the template gallery here:
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https://drive.google.com/templates?q=monthly+budget+hoghat&sort=hottest&view=public
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