45/35/20 Budget Spreadsheet Template | Excel & Google Sheets
Tax included
COUPON CODE
- 40HUB – Purchase 2 or more items and enjoy 40% off your entire order!
45/35/20 – Smart Budgeting (Balancing Needs and Lifestyle)
The 45/35/20 Smart Budgeting template is perfect for those who want to achieve a healthy balance between meeting essential needs, enjoying their lifestyle, and securing their financial future. It’s a simple and effective way to manage your money, ensuring that you have enough for the things that matter most while still saving for the long term.
Who Is This Template For?
This budgeting template is ideal for individuals who:
- Want to prioritize both essentials and enjoyment without going overboard on either.
- Need a structured way to balance daily expenses and personal indulgence while maintaining financial stability.
- Are looking to build long-term savings while still having room to enjoy life.
- Want to live smartly by ensuring your financial needs are met, but not neglecting the things that bring you joy.
How Does It Work?
The 45/35/20 rule divides your income into three easy-to-follow categories, helping you maintain a perfect balance between your essential needs, your personal wants, and your financial goals:
- 45% Needs: This section covers all of your essential expenses like rent, bills, groceries, transportation, and insurance. By allocating 45% of your income to these mandatory costs, you’ll ensure that your basic needs are always met while keeping your financial priorities in check.
- 35% Wants: Life is about enjoyment, and this template gives you the flexibility to spend 35% of your income on leisure activities, hobbies, dining out, entertainment, travel, and personal enjoyment. It helps you achieve a fulfilling lifestyle without compromising your overall financial health.
- 20% Savings: While enjoying life is important, so is securing your future. The 20% allocated to savings will allow you to build your emergency fund, save for retirement, or invest for the long term. This is where you build a solid financial foundation to ensure your financial stability.
Why Choose the 45/35/20 Budgeting Template?
- Balanced Approach: The 45/35/20 rule provides a well-rounded approach to budgeting by covering your needs, allowing for personal enjoyment, and making sure you're saving for the future. It helps you avoid going overboard in any one category, ensuring that you always maintain a healthy financial balance.
- Lifestyle Freedom: With 35% of your income dedicated to your wants, you can enjoy the things you love—whether that’s travel, entertainment, or hobbies—without guilt. This template gives you the flexibility to live the lifestyle you desire while still keeping your financial goals intact.
- Financial Stability: The 20% savings section makes sure that you're always putting money aside for emergencies and future goals. Whether it’s retirement savings or investing in your future, this budget ensures you’re always working towards financial security.
Benefits of This Template:
- Clear Financial Priorities: By clearly outlining your spending and savings goals, this template makes it easy to track your finances and stay on top of your budget. You’ll always know exactly where your money is going and how much you’re saving.
- Smart Financial Decisions: This template encourages smart budgeting habits by allocating a significant portion of your income to savings while still leaving plenty of room for enjoyment. It’s a budgeting method that helps you make conscious, informed decisions with your money.
- Easy-to-Use and Effective: The 45/35/20 Smart Budgeting template is simple to use and doesn’t require complicated calculations. You just input your income, and the rest is done for you. This is perfect for those who want an easy way to stay organized and financially disciplined.
Is This Template Right for You?
If you’re someone who wants to live a fulfilling life while also being financially responsible, the 45/35/20 Smart Budgeting template is the perfect solution. It gives you the freedom to enjoy your life and spend on things that matter, while also ensuring that you’re saving for the future and maintaining financial stability. It’s a smart approach to budgeting that doesn’t require sacrifice but instead encourages balance, enjoyment, and long-term security.
With the 45/35/20 Smart Budgeting template, you can enjoy life today while building a secure and prosperous tomorrow. It’s all about balancing your needs, wants, and savings to make smarter financial decisions that will pay off in the long run.
WHAT’S INCLUDED?
- Step-by-step instructions
- 4 Templates of Spreadsheets
- Sample Google Sheet with Mock Data
- Blank Google Sheet
- Sample Excel with Mock Data
- Blank Excel
- Editable in Google Sheets and Microsoft Excel
- Compatible with MAC, PC, Phones, or Tablets
HOW IT WORKS & REQUIREMENTS
YOU WILL NEED:
- A device to access Google Sheets or Microsoft Excel
- A Google Account (if using Google Sheets)
- Microsoft Excel software (if using Excel)
- Basic computer skills
HOW IT WORKS:
1. Purchase and download instantly.
2. Open the PDF file to access the Google Sheet link.
3. Download the Excel template.
4. Open the spreadsheet and start planning!
IMPORTANT TO KNOW:
- This is a digital download; no physical items will be shipped.
- Due to the nature of digital products, all sales are final, and refunds are not available.
COLOR DISCLAIMER:
Please note that colors in the spreadsheet may vary slightly due to screen display differences on your device. This can include variations in color on phones, tablets, and computers.
Note: For the best experience, we recommend using a desktop or laptop for full editing capabilities.
NEED HELP? If you have any questions, feel free to reach out to us at spreadsheetshub.office@gmail.com or info@spreadsheetshub.com. You can also contact us on WhatsApp for assistance.
FAQ
How will I get access after purchase?
- Once your payment is confirmed, you’ll receive an email with your purchase details and access links for both the Google Sheets and Excel versions of the template.
How long will it take to receive my template after purchase?
- Instantly! No delays or manual processing. This is a digital download, and you will receive access to your templates immediately in two ways:
1) An email with your download links
2) A confirmation page after successful payment, where you can download the files right away without closing the website
Is this a subscription or a one-time payment?
- It’s a one-time payment — no hidden fees or recurring charges!
Are the templates compatible with my device?
- Yes! All Google Sheets and Excel templates are fully compatible with any device — including Windows, Mac, Android, and iOS.
Will anyone else be able to see my data after purchase?
- No! Once you purchase any template from us, you’ll receive your own private copy linked to your personal Google or Microsoft account (depending on whether you're using Google Sheets or Excel).
Google and Microsoft follow very strict security protocols, so no one will ever be able to access or modify your data without your explicit permission.
Which currencies are included in the template?
- All templates include over 40 different currencies from around the world. Yours is definitely there!
How do I know which cells I should fill out and which ones I shouldn't?
- The input cells are always marked with a specific color, usually white. You can also click on any cell to check if it contains a formula before entering data.
What if I accidentally enter data into a formula cell?
- Most likely, you won’t be able to. Each formula cell has a warning or restriction that prevents accidental editing. So don’t worry!
Can I edit and customize the templates?
- Absolutely! You can modify anything you like. The only limit is your imagination.
Can I resell this template?
- No, all templates are for personal use only.
However, if the template is marked as a PLR Spreadsheet, then yes — you are allowed to resell it anywhere, anytime!
Can I resell this template?
- No, all templates are for personal use only.
However, if the template is marked as a PLR Spreadsheet, then yes — you are allowed to resell it anywhere, anytime!
What if I need help or have questions about my template?
- 📧 spreadsheetshub.office@gmail.com
- 📧 info@spreadsheetshub.com
Can I use the template right after purchase?
- Yes! You’ll receive instant access to your template as soon as the payment is confirmed. No delays, no waiting.
What skill level do I need to use the template?
- Our templates are designed for all levels — from beginners to advanced users. Input fields are clearly marked, and most come with easy-to-follow instructions.
Can I use the template in Google Sheets for free?
- Absolutely! You don’t need a paid Google account — our templates work perfectly in the free version of Google Sheets.
Is the template for personal use only, or can I use it for business too?
- We offer templates for both personal finance and business needs — from budgeting to order tracking and inventory management.
Can I request a customization?
- Yes! We offer a custom spreadsheet service. Just reach out to us with your request and we’ll tailor the template to your needs.
What if I don’t know how to use Excel or Google Sheets?
- No problem! You can contact us for a simple guide or request support. We’re here to help and make sure you get the most out of your template.
Can I get a refund?
- As this is a digital product, refunds are not available. However, if you run into any issues or need assistance, we’ll do everything we can to help!
