The Zero-Based Budget Template

Give every dollar a job before the month starts. A complete category structure, the three formulas that make it work, and a worked example you can copy in one sitting.

• A full income and category worksheet that balances to zero
• Spendable, weekly allowance and daily discretionary formulas, worked end to end
• Sinking funds for the irregular bills that break most budgets
• A monthly reset checklist so month two is faster than month one

General educational information only, not financial advice.