Annual Zero-Based Budgeting Spreadsheet Template for Excel and Google Sheets
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The Annual Zero-Based Budgeting Spreadsheet Template for Excel and Google Sheets is an easy-to-use tool designed to help you take control of your money and budget more effectively. Using the "zero-based budgeting" method, this template helps you plan where every dollar of your income goes, so at the end of the month, your balance is zero.
How to Use Annual Zero-Based Budgeting | Step-by-Step Video Tutorial
This template is perfect for anyone who wants to:
- Track spending and make sure they’re not overspending.
- Save more money and pay off debt faster.
- Organize finances for the whole year with clear categories for every expense.
Key Benefits:
- Easy to use, even if you’ve never used a spreadsheet before.
- Clear overview of your income and expenses.
- Helps you stick to a budget and save money without stress.
- Customizable so you can make it work for your personal situation.
Key Features:
- Zero-Based Budgeting – Every dollar is assigned to a category, ensuring you always have a balanced budget.
- Monthly Tracking – Track monthly income and expenses, with automatic calculations to keep you on track.
- Debt & Savings Goals – Plan and monitor your savings and debt repayment targets.
- Custom Expense Categories – Tailor your categories to fit your lifestyle and financial goals.
- Yearly Overview – Get a clear picture of your financial progress across the entire year.
Whether you’re new to budgeting or just want a simple way to stay on top of your finances, this template will help you make smarter, more informed financial decisions.
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
FEATURES & LIMITATIONS
- Automated Calculations: All totals, charts, and summaries update automatically when data is entered. No manual math required.
- Currency Customization: For all budget and finance-related templates, you can easily change the currency symbol (USD, EUR, GBP, etc.) in just a few clicks.
- Protected Formulas: Certain cells and tabs are locked to prevent accidental deletion of complex formulas, ensuring your template works perfectly. However, no passwords are required—you can easily unlock the sheets if you wish to customize the structure.
- Language: This template is provided in English
- No Macros: We use advanced formulas instead of VBA macros, making the files safer and more compatible across different devices.
HOW IT WORKS & REQUIREMENTS
SYSTEM REQUIREMENTS:
To ensure all features and automated functions work correctly, you will need:
- Microsoft Excel: A subscription to Microsoft 365 (formerly Office 365) is strictly required. Older versions (Excel 2019 or earlier) may not support all formulas.
- Google Sheets: A free Google Account if you prefer using the web-based version.
- Device: A desktop or laptop is highly recommended for the best experience. Mobile devices may have limited editing capabilities.
HOW IT WORKS:
- Purchase and download your files instantly.
- Open the PDF file to access your unique Google Sheets link.
- Open the Excel file directly if using Microsoft 365.
- Follow the setup instructions inside and start planning!
IMPORTANT TO KNOW:
- Compatibility: This template is exclusively designed for Microsoft 365 and Google Sheets. It is not compatible with Numbers (Apple), LibreOffice, or OpenOffice.
- Refund Policy: Due to the instant nature of digital downloads, no refunds or exchanges can be given once the files are downloaded. Please verify your software compatibility before purchase.
- Personal Use Only: Your purchase grants you a single-user license. Re-selling, sharing, or distributing this template in any form is strictly prohibited and protected by copyright law.
DISPLAY & COLOR DISCLAIMER: The visual appearance of the spreadsheet may vary slightly depending on your screen resolution, color settings, and device hardware. For the best experience, we recommend using a desktop or laptop.
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.
