Single Monthly Budget Planner | 50/30/20 Excel & Google Sheets Budget Template with Debt Payoff Plan

A simple, no-nonsense monthly budget built around the 50/30/20 rule — 50% of your income toward Needs, 30% toward Wants, and 20% toward Savings and extra debt payments. Built for one person managing their own money, not a shared household spreadsheet with someone else's numbers in the way.

What's inside:- Monthly Income — enter your primary and any side income, total income calculates instantly.- Needs (50% target) — rent/mortgage, utilities, groceries, insurance, transportation, minimum debt payments and more, budgeted vs. actual.- Wants (30% target) — dining out, entertainment, subscriptions, shopping, hobbies and more, budgeted vs. actual.- Savings & Extra Debt Payment (20% target) — emergency fund, retirement/investing, extra debt payments and more.- 50/30/20 Check — your actual spending as a percent of income next to the target for each group, color-coded green or red so you can see at a glance where you're on track.- Monthly Summary — total spent, leftover/unallocated money and your savings rate (savings as a percent of income).- Yearly Overview — all 12 months pulled in automatically side by side: income, Needs, Wants, Savings, leftover and savings rate, with year-end totals. No copy-pasting between tabs.- Debt Payoff Plan — a separate simple tool: list up to 5 debts with balance, interest rate, minimum payment and extra payment, and see an estimated number of months left on each one (a simplified estimate, not a full amortization schedule).

Included in this instant download:- SingleMonthlyBudgetPlanner.xlsx — the full editable workbook (Instructions, January-December, Yearly Overview, Debt Payoff Plan)- SingleMonthlyBudgetPlanner.pdf — printable blank version of every tab

Works in Microsoft Excel, Google Sheets and LibreOffice Calc. Only the yellow cells are meant for typing — everything else is protected so the formulas don't break by accident.

Because this is a digital file, returns and exchanges are not accepted. If anything is wrong with your file, contact us through this store and we'll fix it quickly.

Made with the help of AI tools (layout, formulas, listing copy); the design and structure are original, not a copy of anyone else's template.