50 30 20 Budget Calculator Spreadsheet | Needs Wants Savings Planner | Google Sheets

📐 Everyone knows the 50/30/20 rule — almost nobody knows the moment they break it.

This calculator auto-splits your income into Needs / Wants / Savings, then <b>guards every bucket</b>: drift dollars, drift %, and OVER BUDGET / NEAR LIMIT / ON TRACK alerts — plus what-if income scenarios and a 24-month drift log. A pre-built system, not a blank template: every formula, alert, and chart is already done for you.

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📦 WHAT'S INCLUDED

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✅ 50/30/20 Budget Calculator workbook for Google Sheets (6 tabs)

Start Here · Setup · Calculator · What-If · Drift Log · Dashboard

✅ Quick Start PDF — from download to a working system in about 15 minutes

✅ FAQ & Access Guide PDF — answers, troubleshooting, and license terms

✅ One ZIP file — instant download, everything inside

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⚡ KEY FEATURES

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📐 Auto-split calculator — income into Needs / Wants / Savings with a 100% split check

🚨 Drift alerts — OVER BUDGET / NEAR LIMIT / ON TRACK the moment a bucket breaches

💱 What-if scenarios — pay cut, current, and raise income with every bucket recomputed

📆 24-month drift log — breaches, clean months, and savings rate per month

📊 Target-vs-actual chart — the rule at a glance

🚦 Red / amber / green status — bucket health at a glance

🔒 Protected formulas — nothing breaks when you type

🔧 100% Sheets-native — no coding, no add-ons

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🚀 HOW IT WORKS

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1️⃣ Purchase and download your files instantly

2️⃣ Open the workbook in Google Sheets and set your preferences — about 15 minutes

3️⃣ Enter income and actual spending — splits, drift alerts, scenarios, and the dashboard update automatically

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📌 IMPORTANT NOTES

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• This is a digital download — no physical item will be shipped

• Built for Google Sheets ONLY — requires a free Google account

✅ 30-DAY MONEY-BACK GUARANTEE — you're covered. Message us within 30 days for a full refund, no forms, no hassle.

• Single-user license — redistribution, resale, or sharing is not permitted

• Launch pricing: $10.8

• An organizational and planning tool, not financial advice — consult a qualified professional for financial decisions

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🛍️ LIKE THIS SYSTEM?

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See the full SystemCraftDigital collection — cash flow, invoicing, tax planning, budgeting, and more — in my shop.