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Ultimate Budget Bundle
All 6 spreadsheets + both printable planners - for less than half the price of buying them separately.
$19.99 $46.42Buy
Budget & Money Spreadsheets
Zero-Based Budget Spreadsheet
A zero-based budget spreadsheet where the 'Left to budget' counter turns green when every dollar has a job.
$6.99
Buy now · $6.99
Buying more than one? Add them to your cart and check out once.
- Instant download. Your files appear right after checkout, and the link is emailed to you.
- Secure checkout. Pay by card or PayPal on Payhip's secure checkout. No account needed.
- Excel + Google Sheets. Print or reuse as often as you like at home.
- Real help. Trouble opening a file? Email us and we'll help you get it working.
Made by a small family business in Frisco, Texas. Our story
Look inside
The actual spreadsheet, not a mockup
Rendered straight from the file you download, shown blank the way your copy starts. Tap any page to zoom.
About the Zero-Based Budget Spreadsheet
Zero-based budgeting means you plan your income down to zero before the month starts: bills, savings, debt and spending all get a share. This zero-based budget spreadsheet does the subtraction for you as you assign each dollar, and the counter turns green the moment you hit zero. It works in Excel or Google Sheets, so you can plan on a laptop and check it on your phone. It's a good fit if you've tried the 'every dollar' method on paper and want the math done for you.
What's included
- Start Here guide
- 'Left to budget' counter on every month
- Grouped categories (housing, food, saving...)
- 12 monthly tabs
- Transaction log with dropdowns
- Planned vs. spent vs. left
- Year dashboard + chart
- Excel & Google Sheets
Complete the set
These work well together. Untick anything you don't need, then check out once.
Total $18.97
Even better: all of these are in the Ultimate Budget Bundle, 8 tools for $19.99.
Files and formats
- ZIP file containing the spreadsheet (.xlsx) for Microsoft Excel and Google Sheets
- Start Here PDF with step-by-step opening instructions
How it works
- Check out securely. Pay by card or PayPal. No account needed.
- Download instantly. The download button appears right away and the link is emailed to you.
- Open in Excel or Google Sheets. Type in the cream cells and the formulas do the rest.
Good to know
- This is a digital product - nothing will be shipped.
- Printed colors can vary slightly by printer and screen.
- Spreadsheet preview images show sample data; your copy starts blank. A computer is recommended for the first setup.
- This template helps you organize your own numbers. It is not financial, tax or legal advice.
- For personal use only. Please don't share, resell or redistribute the files.
Questions, answered
What exactly do I get?
ZIP file containing the spreadsheet (.xlsx) for Microsoft Excel and Google Sheets. Start Here PDF with step-by-step opening instructions. Inside: Start Here guide, 'Left to budget' counter on every month, Grouped categories (housing, food, saving...), 12 monthly tabs, Transaction log with dropdowns, Planned vs. spent vs. left, Year dashboard + chart, Excel & Google Sheets.
How does a zero-based budget spreadsheet work?
You enter your monthly income, then give every dollar a category until the 'Left to budget' counter reaches zero and turns green. Income minus everything you've assigned should equal exactly zero.
How do I get my files?
Right after checkout you'll see a download button, and the same link is emailed to you so you can download again later. Nothing is shipped.
Does it work in Google Sheets and Excel?
Yes. Open the .xlsx file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets. A computer makes the first setup easiest; after that it works on a phone or tablet too.
Is this financial or legal advice?
No. It's an organizing tool that helps you keep track of your own information. For decisions about debt, taxes, wills or care, talk to a qualified professional.
What if something doesn't work?
Email us at [email protected] and we'll fix it or make it right. Because it's a digital file we can't take returns, but we never leave you stuck.
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