US Budget Tracker Spreadsheet | Monthly Budget Planner Dollars | Excel Google Sheets | Personal Finance USA | American Budget Template

💰 US BUDGET TRACKER | IN DOLLARS | NAVY

Track every dollar. Every month. Every goal.

A complete monthly budget spreadsheet built for American finances — all amounts in US dollars, US expense categories, and tax terminology you recognise.

─────────────────────────────────

✅ WHAT'S INSIDE

─────────────────────────────────

→ Monthly budget sheets × 12 (January–December)

→ Income: gross pay, net pay (take-home), side hustle, freelance, rental income

→ US expense categories: rent/mortgage, groceries, utilities, gas, car payment, car insurance, health insurance, cell phone, subscriptions, student loan payment

→ Tax section: federal withholding, state tax, FICA (Social Security + Medicare)

→ Savings: emergency fund, 401k contribution, Roth IRA, HSA

→ All amounts in $ — no conversion needed

→ Colour-coded: green = on budget · red = over

─────────────────────────────────

✅ US-SPECIFIC FEATURES

─────────────────────────────────

→ Pre-tax vs. post-tax income sections

→ 401k and HSA contribution tracker

→ FICA rate reference (7.65% employee portion)

→ State tax field (varies by state)

→ Health insurance premium as fixed expense

─────────────────────────────────

✅ WORKS IN

─────────────────────────────────

→ Microsoft Excel (Windows and Mac)

→ Google Sheets (free)

→ All amounts display in $ automatically

─────────────────────────────────

✓ Excel · ✓ Google Sheets · Instant download

© SHOPPLANstudio — Personal use only.b