Annual Monthly Budget Spreadsheet, Envelope Zero-based Budgeting Tracker

🔗 Important: You’ll need a free Google account to use this planner.
Take full control of your finances with this thoughtfully designed Google Sheets budgeting system — built for those who follow (or want to start using) Zero-Based and Envelope Budgeting principles. Whether you’re switching from paid budgeting apps or just need a clear, customizable way to manage your money, this template gives you both clarity and control.

✅ Perfect For You If You Want To:
• Assign every dollar a job — whether it’s spending, saving, or investing
• Create monthly AND one-off budgeting goals
• Stop overspending and start seeing where your money actually goes
• Track expenses in real time with a clean dashboard and smart categories
• Use Google Sheets instead of paid apps — no subscriptions, 100% yours
• Reuse your templates

💡 KEY FEATURES:
• Pre-set main categories and subcategories (customizable) for:
🔹 Monthly commitments (e.g., rent, meals, subscriptions)
🔸 One-off goals (e.g., travel, gifts, big purchases)
• Auto-calculated progress bars for each category
• Visual Dashboard to monitor total budget, remaining balance, and income allocation
• Insights tabs to analyze Spending Trends and Income vs Expense
• Auto-Population Powered – Smart formulas keep everything updated as you log your reading — no manual calculations required
• 2 color variations available – Pick the theme that suits your vibe, you can easily customise the color palettes as well
• BONUS: Mobile-friendly Google Form to log expenses on the go (optional)

HOW IT WORKS
• After purchase, you will receive a PDF file with Gsheets links to get all files and tutorial.

♥ This digital download is available immediately after your purchase – no physical product will be shipped. There is no refund post-sales, so please read the listing thoroughly before purchasing. For personal use only. By purchasing this product, you agree not to redistribute, share or resell this product anywhere.