Zero-Based Monthly Budget & Actuals Tracker for Excel
Every dollar gets a job. A zero-based budget spreadsheet for Excel with budget vs actuals, transactions, bills, annual charts and 46 currency codes, plus printable worksheets.
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- Instant download
- XLSX (clean + example) + printable PDFs + guide
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- Made for USA, UK & Canada
Every dollar gets a job. Give each part of your income a purpose, then see how your real spending compares with your plan. This undated, beginner-friendly workbook puts your monthly plan, transactions, bill due dates and annual overview in one calm layout.
What you can do
- Plan monthly income and allocate it across spending and savings
- Compare budget vs actual and see what remains in each category
- See how much income is still left to allocate
- Spot overspending with clear category warnings
- Log income, expenses, refunds, savings and transfers
- Track bills with Paid, Overdue, Due soon and Upcoming statuses
- Review the year with income, spending and net-savings charts
- Choose from 46 currency display codes, including USD, CAD, GBP and EUR
What you get
- Editable CLEAN XLSX workbook for your own entries
- EXAMPLE XLSX workbook with fictional data to learn from
- Four printable worksheets in A4 and US Letter PDF
- A five-page Quick-Start guide
Choose one currency per workbook; it does not convert currencies or connect to your bank.
Questions about this printable
What is zero-based budgeting?
Zero-based budgeting means you assign every dollar (or pound) of monthly income to spending, saving or debt until income minus allocations equals zero.
Does the budget spreadsheet work in Google Sheets?
It is built and tested for Microsoft Excel (.xlsx). Some features may behave differently in other spreadsheet apps.
Can I use it in pounds or Canadian dollars?
Yes. Pick GBP, CAD, USD or any of the 46 included currency codes as the display currency.
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