This 3‑in‑1 monthly finance tracker combines the best of three proven budgeting methods: the Monthly Income & Expense Tracker, Zero‑Based Budget, and the 50/30/20 Budget Rule. With one spreadsheet, you can track your cash flow, allocate every dollar intentionally, and balance needs, wants, and savings.
⚡ Why Use This Spreadsheet?
- Track Income & Expenses: Get a clear picture of where your money goes each month.
- Zero‑Based Budgeting: Assign every dollar a purpose, ensuring nothing is wasted.
- 50/30/20 Rule: Balance your finances by dedicating 50% to needs, 30% to wants, and 20% to savings or debt repayment.
Master your money in 3 easy steps: Track, Plan, and Apply.
📸 Spreadsheet Screenshots
👉🏽 Black text or numbers are editable. Blue text or numbers are generated by formulas—do not edit or delete them.
✅ Benefits
- Comprehensive: Combines three budgeting methods into one streamlined tool.
- Customizable: Adjust categories to fit your lifestyle and financial goals.
- Clarity: See exactly how much you earn, spend, and save each month.
- Accountability: Stay disciplined by tracking progress against your plan.
📌 Where to Get It
The spreadsheet is currently available on my Gumroad shop: https://erickouassi.gumroad.com/l/ysinqw
It will soon be available on Etsy and eBay as well. For other simple‑to‑use, no‑code solutions, check out my full collection of spreadsheets across all my shops!
⚠️ Disclaimer: Personal Finance Experience
The information provided in this blog post is based on extensive research and practical testing. I examined the Monthly Income & Expense Tracker, Zero‑Based Budget, and 50/30/20 Budget spreadsheet across various scenarios. However, financial situations vary, and what worked for me may not suit everyone.
I am not a financial advisor, and this blog post does not constitute professional financial advice. Always consult a qualified professional before making financial decisions.
❓ Frequently Asked Questions
- Who has access? Only you and those you authorize will have access to the spreadsheet.
- Is there a recurring fee? No, it’s a one‑time purchase. Use it forever as long as Google Sheets remains free.
- Do you offer support? Yes. Purchasing includes a 14‑day license key for support questions. I cannot access your spreadsheet directly.
- Where can I buy it? Exclusively on my Gumroad shop: Shop Link