Zero-Based Budget Spreadsheet Template in Excel and Google Sheets
Tax included
COUPON CODE
- 40HUB – Purchase 2 or more items and enjoy 40% off your entire order!
Take control of your money with the Zero-Based Budgeting method, which makes sure every dollar is assigned a purpose. This template helps you plan, track, and manage your spending effectively.
What is Zero-Based Budgeting?
Zero-Based Budgeting is a budgeting method where every dollar is assigned a specific purpose before the month starts. Unlike traditional budgeting, where you may carry over balances from the previous month, Zero-Based Budgeting starts with a "zero balance." This means you allocate all your income to specific expenses, savings, or investments, ensuring that every cent is accounted for.
Who Is This Template For?
- Individuals looking for financial clarity: If you're someone who wants to track exactly where your money goes and align your spending with your financial goals, this template is perfect for you.
- Families and households: The Zero-Based Budgeting method is ideal for managing household expenses, ensuring that your income is carefully divided among necessary categories.
- Business owners and freelancers: This template can also be used to manage business-related finances by categorizing income and expenses efficiently.
Key Benefits of Using Zero-Based Budgeting:
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Complete Financial Control
The Zero-Based Budget method helps you take full control over your finances by ensuring that every dollar is accounted for, whether it's for savings, paying off debt, or covering expenses. -
Improved Financial Awareness
With every category and expense reviewed from scratch each month, you gain a better understanding of your spending habits, which can lead to smarter decisions and better financial health. -
Debt Reduction
Since you are allocating every dollar, you can specifically assign funds toward paying off debt, speeding up the process and making your financial goals more achievable. -
Increased Savings and Investment Opportunities
By evaluating your income and expenses thoroughly, you'll have a clearer picture of where you can cut back and divert more funds toward savings and investments, giving your wealth-building efforts a boost.
Why You Need This Template:
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Customizable for Your Needs
Choose your starting year, month, and currency to tailor the template to your financial goals, whether you are working in dollars, euros, or any other currency. -
Clear Categorization
Organize your finances into customizable categories like income, bills, savings, expenses, investments, and debts to ensure precise tracking and management. -
Monthly Budget Planning
Allocate specific amounts to each category at the start of the month, helping you stick to your budget and avoid overspending. -
Automatic Tracking of Income and Expenses
The template helps you track all incoming and outgoing funds, automatically calculating totals to give you a snapshot of your current financial standing. -
Smart Debt & Bill Management
Set reminders for bill payments and debt obligations to ensure you never miss a payment, and use the automatic tracking feature to mark completed tasks.
How It Works:
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Set Your Budget
At the beginning of each month, input your total income and assign amounts to each category: bills, savings, debt repayment, expenses, and investments. -
Track Your Spending
As you make payments or receive income, log the transactions into the template. The template will automatically update the balance in each category. -
Stay on Target
With clear visual indicators and progress bars, you’ll always know how well you’re adhering to your budget and how much money is left to spend in each category.
Why Choose This Template?
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User-Friendly & Intuitive
Whether you're using Excel or Google Sheets, this template is designed to be simple and easy to use, with clear instructions for getting started. -
Works Across Devices
Access your budget from anywhere and on any device, whether you're at home on your computer or on the go with your mobile device. -
Perfect for Both Personal & Business Use
Whether you need to manage your personal finances or streamline your business expenses, this template can handle both with ease.
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!
