60/20/20 Budget Plantilla Essentials
Structure spending with 60% for committed expenses, 20% for financial goals, and 20% for flexible spending. A security-first budgeting approach.
Qué incluye
- Dashboard with 60/20/20 allocation view splitting income into committed, goals, and flexible buckets
- Automatic percentage calculations that compute target amounts for each bucket based on total income
- Budget tracker with category breakdowns for housing, insurance, debt payments, and savings goals
- Income-based target amounts with variance tracking showing how actual spending compares to each bucket
- Color-coded input cells and formatted result areas for a clean, professional budget layout
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Need more from this template?
The Essentials version covers everyday tracking. Ultimate goes further with multi-entity support, scenario analysis, and ultimate-grade reporting.
- Dashboard with 60/20/20 allocation view splitting income into committed, goals, and flexible buckets
- Automatic percentage calculations that compute target amounts for each bucket based on total income
- Budget tracker with category breakdowns for housing, insurance, debt payments, and savings goals
- Income-based target amounts with variance tracking showing how actual spending compares to each bucket
- Panel con 6 tarjetas de KPI: ingreso mensual, total de gastos de vida, total de metas financieras, total de gasto flexible, saldo general y meses registrados
- Hoja de Rastreo de Presupuesto calculando las metas en dólares del 60%, 20% y 20% a partir del ingreso mensual con comparación de real vs meta
- Hoja de Gastos de Vida para costos fijos y esenciales - alquiler, servicios, supermercado, seguros, transporte - con subtotales y seguimiento de la meta del 60%
- Hoja de Metas Financieras para ahorro, inversiones, pago de deuda y metas de ahorro específicas con seguimiento de la meta del 20% y progreso por meta
- Hoja de Gasto Flexible para gastos discrecionales y de estilo de vida con subcategorías y seguimiento de la meta del 20%
Vista previa
Mira qué contiene esta plantilla
Cómo usar esta plantilla de 60/20/20 Budget
Enter your income
Type your monthly after-tax income. The template calculates 60%, 20%, and 20% target amounts for each bucket automatically.
Fill in committed expenses
Add fixed costs like housing, insurance, utilities, and debt payments into the 60% committed expenses bucket.
Assign goals and flexible spending
Put savings and investment amounts in the 20% goals bucket, and discretionary spending in the 20% flexible bucket.
Review the variance
The dashboard shows how each bucket compares to its target. Adjust spending or savings amounts to move closer to the 60/20/20 split.
Creadas por Claude AI. Perfeccionadas por nosotros.
Usamos Claude AI para crear el borrador de cada plantilla, después de una investigación profunda. Luego nuestro equipo interviene. Refinamos el diseño, probamos cada fórmula a fondo, corregimos casos especiales y pulimos el diseño hasta que se siente como algo que realmente usaríamos nosotros mismos. La IA nos lleva al 80%. El último 20% es criterio humano.
Preguntas frecuentes
What goes in the 60% committed bucket?
Committed expenses are obligations you cannot easily change month to month - rent or mortgage, insurance premiums, loan payments, utilities, and transportation costs.
What is the difference between goals and flexible?
Goals (20%) cover savings, investments, and debt payoff beyond minimums. Flexible (20%) is for discretionary items like dining, entertainment, and shopping.
Can I customize the percentages?
Yes. The percentage cells are editable. You can change 60/20/20 to any split that works for your financial situation.
How does this differ from 50/30/20?
The 60/20/20 approach allocates more to committed expenses and less to discretionary spending compared to 50/30/20. It suits people with higher fixed costs.
¿Cómo abro esto en Google Sheets?
Sube el archivo .xlsx a Google Drive y luego ábrelo con Google Sheets. Todas las fórmulas y el formato se conservarán.
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