# 50/30/20 Budget & Savings Planner!

**Know Where Every Dollar Goes. See Instantly If You're On Track.**

A complete budgeting system built on the proven 50/30/20 rule, all in one spreadsheet. Enter your take-home income and it splits automatically into Needs, Wants and Savings/Debt targets. Log your real spending by category, and color-coded alerts show you the moment anything goes over budget. Just enter your income, budgets and actual spending, and everything else updates automatically.

**What's Inside**

💰 Auto 50/30/20 Budget Setup: enter your monthly take-home income and your Needs (50%), Wants (30%) and Savings/Debt (20%) targets calculate instantly

✏️ Customizable Categories: rename and budget up to 8 Needs, 8 Wants and 4 Savings/Debt categories, with a variance check against each target, and every sheet updates automatically

📊 3 Budget vs. Actual Trackers: log what you really spent in every category and see the variance, % used and status for each one, on separate Needs, Wants and Savings & Debt sheets

🚦 Color-Coded Alerts: green when you're under budget, amber once you've used 90%, and red the moment you go over

📅 12-Month Annual Overview: record your Needs, Wants and Savings totals each month, compare them to your targets with the variance calculated for you, and see your 12-month totals and monthly averages

💚 Budget Health Rating: a clear Excellent, Good, Fair or Needs Improvement rating based on how your spending compares to the 50/30/20 targets

📈 Visual Charts: budget vs. actual by bucket, your actual split vs. the ideal 50/30/20 split, a 12-month spending trend, category-by-category comparisons and a savings allocation chart

🏆 Achievement Badges & Smart Insights: five milestone badges that tick off as you log your months, plus plain-English insights on how your spending compares to each target

✅ Built-in Guide, Dashboard & Preview: a Guide sheet to get you started, a Dashboard with your key numbers, spending breakdown and remaining income, and a Preview sheet with sample data showing how it all works

**Why You'll Like It**

Everything recalculates instantly. Change your income, a budget or an actual spend and every status, health rating, chart and insight updates automatically, with no manual work.

**What's Included**

* Instant .xlsx download

* Compatible with Microsoft Excel 2016+ and Google Sheets

* No macros, plugins, or add-ons needed

* Lifetime access and all future updates

* Clean, color-coded inputs so you always know what to edit

**Who It's For**

Anyone who wants a simple, structured way to manage monthly spending without building a complex budget from scratch. Whether you've tried budgeting before and found it too complicated to keep up, want a clear monthly snapshot of your regular income, or just want to know if you're really on track, this gives you real numbers instead of guesswork.

**One-time payment, lifetime access & updates**