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60/20/20 Budget ›

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Essentials Template - Excel & Google Sheets

Essentials 60/20/20 Budget Spreadsheet Template for Google Sheets & Excel

Three income lines total up, the three bucket targets come off that total, and each bucket gets a section of its own with twelve lines to spend across. The Essentials 60/20/20 Budget spreadsheet template puts target, actual and difference on every bucket, a status on every line, and a dashboard over the top of all three. Three working sheets. Google Sheets and Excel, from the same download. No macros, no VBA.

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View Ultimate 60/20/20 Budget Spreadsheet Template
$29
Essentials 60/20/20 Budget spreadsheet template - Google Sheets and Excel preview

What's Included

  • Three income lines with a combined total
  • Bucket targets calculated from that total
  • Each bucket as its own section with its own categories
  • Target, actual and difference on each bucket total
  • A status showing how each line sits
  • Monthly income reported on the dashboard
  • What came in over and what stayed within, kept separate
  • Two charts
  • A currency dropdown across the workbook
  • Works in Microsoft Excel and Google Sheets with no setup required
Ultimate Version Available

Need more from this template?

The Essentials Spreadsheet Template covers everyday tracking. The Ultimate Spreadsheet Template gives each part of the template its own sheet, with more capacity and deeper reporting on top.

Essentials - $19
  • Three income lines with a combined total
  • Bucket targets calculated from that total
  • Each bucket as its own section with its own categories
  • Target, actual and difference on each bucket total
Ultimate - $29
  • Six income lines with a combined total
  • Allocation percentages you can change rather than fixed shares
  • Each target derived from your percentage and your income
  • A sheet for each bucket, with its own categories
  • Variance in money and as a percentage on every line
See what's in the Ultimate version› One-time purchase. No subscription.

The FinancialAha Essentials 60/20/20 Budget Spreadsheet Template is a two-sheet workbook for Google Sheets and Excel, with a How to Use guide on a third tab. It works as an Essentials 60/20/20 Budget Excel template and an Essentials 60/20/20 Budget Google Sheets template from the same download. It starts from what you earn: enter your income and the three bucket targets are worked out from it, with each bucket its own section and a status on each bucket. No macros, no VBA.

Inside the workbook

What's inside the FinancialAha Essentials 60/20/20 Budget spreadsheet template

The FinancialAha Essentials 60/20/20 Budget Spreadsheet Template runs on two working sheets, with the instructions on a tab of their own. It works in both Microsoft Excel and Google Sheets and here is what the Essentials 60/20/20 Budget spreadsheet holds.

  1. 01 of 02

    Budget Tracker

    Income first, across three lines - a salary, anything on the side and whatever else arrives - and totalled. From that total the three bucket targets are calculated rather than typed, which is the difference that matters between this build and the free one: change what you earn and every target moves with it. Beneath, each bucket gets its own section with its own category rows, and every line carries the target, what you actually spent, the difference and a status. Splitting them into sections rather than running one list is what makes a section total meaningful - you can see that needs came in over while the flexible spending held, which a single column cannot show. The percentages themselves are fixed at sixty, twenty and twenty in this build. That is the convention the template is named for; changing the split is the Ultimate build's job.

    FinancialAha 60/20/20 Budget spreadsheet template - Budget Tracker sheet

  2. 02 of 02

    Dashboard

    Your monthly income, and how the month sat against the targets - what came in over and what stayed within - with two charts. Reporting over and within separately rather than netting them is deliberate. A month where needs ran over by two hundred and flexible spending came in two hundred under is not a month that broke even; it is a month where two different things happened, and averaging them into one figure loses both.

    FinancialAha 60/20/20 Budget Google Sheets template - Dashboard sheet

  3. Included guide

    How to Use

    A step-by-step guide on its own tab, covering what each section expects, how the targets follow from your income, and how to change the currency. Because it ships inside the file, the instructions travel with the template wherever it is opened.

Works in both Google Sheets and Excel

Essentials 60/20/20 Budget Spreadsheet template for Google Sheets

Upload the Essentials 60/20/20 Budget Spreadsheet Template to Drive, right-click it, and choose "Open with Google Sheets". This Essentials 60/20/20 Budget Google Sheets template needs no conversion step, both charts come across, and the targets recalculate from your income exactly as they do in Excel.

Essentials 60/20/20 Budget Google Sheets template setup

A shared copy of the Essentials 60/20/20 Budget Google Sheets template suits a household with more than one income line, since the targets follow the combined total rather than one person's salary.

Running the Essentials 60/20/20 Budget Google Sheet

The Essentials 60/20/20 Budget Google Sheet takes the income once and the actual figures as the month runs. Every target and status follows from those.

Also available as:

Essentials 60/20/20 Budget Spreadsheet template for Excel

The Essentials 60/20/20 Budget spreadsheet Excel download is a plain .xlsx. Excel opens this Essentials 60/20/20 Budget Excel template directly, with no import step, and both charts are native Excel charts rather than pictures. There are no macros and no VBA in the file.

Essentials 60/20/20 Budget Excel template setup

The same Essentials 60/20/20 Budget Excel template opens in Excel on Windows, Excel on Mac, and Excel for the web. It is also the identical file you would upload to Drive, so there is no separate Essentials 60/20/20 Budget spreadsheet download to choose between.

Essentials 60/20/20 Budget spreadsheet Excel notes

The Essentials 60/20/20 Budget spreadsheet Excel file carries no macros and no VBA, so Excel opens it without a trust prompt.

Opening the Essentials 60/20/20 Budget spreadsheet Excel file

Nothing in the Essentials 60/20/20 Budget Excel template is version-specific, so this Essentials 60/20/20 Budget spreadsheet Excel workbook behaves identically in Excel on Windows, Excel on Mac, and older builds.

Also available as:

Spreadsheet template highlights

What the Essentials 60/20/20 Budget spreadsheet template tracks

Income, three bucket sections and a status on each bucket. This is what the Essentials 60/20/20 Budget Spreadsheet Template carries:

Category
one line per spending category, inside the bucket it belongs to
Actual
what you spent on that line
Target auto
derived from your income, held on the bucket's total row rather than per category
Difference auto
derived, target less actual for the bucket
Status
how each bucket sits against its target

Compare builds

FinancialAha 60/20/20 Budget spreadsheet template: Free, Essentials, and Ultimate compared

Feature Free View Spreadsheet Template Essentials This page Ultimate View Spreadsheet Template
Working sheets 1 2 6
Targets derived from income Yes Yes Yes
Income entered One figure 5 sources 6 sources
Buckets as separate sections One table, targets above it Sections with their own totals A sheet each
Status per line – Yes Yes
Variance in money and percent Money Money Both
Actual split against target split – – Percentages compared
Twelve-month tracking – – Yes
Allocation percentages editable Fixed at 60/20/20 Fixed at 60/20/20 Editable
Charts – 2 2

The Free 60/20/20 Budget Spreadsheet Template works the three targets out from one income figure and sets them above a single table. The FinancialAha Essentials 60/20/20 Budget Spreadsheet Template takes income across three sources and gives each bucket its own section, with a status on each bucket and a dashboard reporting what came in over and what stayed within. The Ultimate 60/20/20 Budget Spreadsheet Template gives each bucket a sheet, compares your actual split against the target split as percentages, lets you change the allocation percentages themselves, and tracks twelve months.

Compare the other builds: Free 60/20/20 Budget spreadsheet template or the Ultimate 60/20/20 Budget spreadsheet template .

Good to know

Notes on working in the Essentials 60/20/20 Budget spreadsheet template

  • The targets are calculated from your income, so a change in what you earn moves all three at once.
  • Sections rather than one list is what makes a bucket total mean something.
  • Over and within are reported separately, because a month where two things went opposite ways is not a month that broke even.
  • The percentages are fixed at sixty, twenty and twenty here; changing the split is the Ultimate build.
  • The split is a convention the template is named for rather than a rule anyone has to meet.
  • The currency dropdown relabels the money columns across the workbook. It changes the label only and does not convert the numbers.

How to Use the Essentials 60/20/20 Budget Spreadsheet Template

1

Enter your income

Salary, side income and anything else.

2

Read the targets

Worked out from that total, not typed.

3

Fill each section

Actual spending, bucket by bucket.

4

Check the statuses

How each line sits against its target.

Stress-tested with AI.

Every template starts with deep research into how people actually track the topic. We design the layout, build the formulas, and polish the design until it feels like something we would use ourselves. Along the way, we use AI to stress-test the calculations: unusual inputs, edge cases, and formula behavior, checked until the numbers hold.

See Ultimate Spreadsheet Template

Instant digital delivery · Terms & Conditions apply

Frequently Asked Questions

Is the FinancialAha Essentials 60/20/20 Budget Spreadsheet Template a Google Sheets template?

Yes. Upload the file to Drive and choose "Open with Google Sheets". Both charts come across in the Essentials 60/20/20 Budget Google Sheets template, and the targets recalculate from your income exactly as they do in Excel.

Is the FinancialAha Essentials 60/20/20 Budget Spreadsheet Template an Excel template?

Yes. The download is a plain .xlsx, so the Essentials 60/20/20 Budget Excel template opens directly in Excel with no import step. Both charts are native Excel charts rather than pictures, and there are no macros or VBA.

Will the FinancialAha Essentials 60/20/20 Budget spreadsheet Excel file open in older versions of Excel?

Yes. The Essentials 60/20/20 Budget spreadsheet Excel workbook ships as a plain .xlsx, so it opens identically in current Excel and in builds that predate dynamic arrays.

How is this different from the Free build?

The targets are calculated from your income rather than typed, so a change in what you earn moves all three at once. Each bucket is also its own section with its own total and a status per line, rather than labelled rows in a single list.

Can I change the 60/20/20 split?

Not on this build - the percentages are fixed at sixty, twenty and twenty. Editable allocation percentages are on the Ultimate build, along with a sheet per bucket.

Why report over and within separately?

Because a month where needs ran over by two hundred and flexible spending came in two hundred under is not a month that broke even. It is a month where two different things happened, and one netted figure loses both.

Is the split a rule I have to meet?

No. It is the convention the template is named for. The sheet reports where your spending falls against it and takes no view on whether the shape is right for you.

How do I open the Essentials 60/20/20 Budget spreadsheet template in Google Sheets?

Upload the .xlsx file to Google Drive, then open it with Google Sheets. All formulas and formatting will be preserved.

More Essentials Personal Budgeting Templates

Monthly Budget

Categories grouped into sections - income, housing, transport, food, utilities, insurance and more - each subtotalling itself, so areas of spending compare directly. The Essentials Monthly Budget spreadsheet template puts budget, actual and the difference on every line, adds a share-of-income column that stays comparable between a good month and a lean one, and reports a savings rate on the Dashboard. Google Sheets and Excel, one file. No macros, no VBA.

$19

50/30/20 Budget

Enter your income once and the three targets follow from the total. The Essentials 50/30/20 Budget spreadsheet template gives needs, wants and savings a section each, ten lines to fill, and a status on every one calling it on track or over - then reads the month back in six figures on a dashboard: income, the three targets, the savings rate you actually achieved, and whether you finished over or under. Two charts, three working sheets. Google Sheets and Excel. No macros, no VBA.

$19

Zero-Based Budget

Income goes in at the top and every allocation is measured against it, with a remaining-to-assign figure whose goal is zero - the number the method turns on. The Essentials Zero-Based Budget spreadsheet template groups categories into sections rather than one long list, puts planned against actual on every line, and reports income, total allocated and what is still unassigned on a Dashboard. Three tabs, Google Sheets or Excel. No macros, no VBA.

$19

Household Budget

Each partner gets an income section of their own and the two combine automatically, with personal spending kept apart from the grouped shared costs. The Essentials Household Budget spreadsheet template runs planned against actual on every line, derives the difference, adds a share-of-income column per category, and closes on a dashboard with combined income, total expenses, net savings and the savings rate. Google Sheets and Excel, one file. No macros, no VBA.

$19
Essentials
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Highlights:

Dashboard with charts and KPIs
Pre-filled categories and sample data
No sign-up, no subscription
Lifetime free updates
Works in
Excel Google Sheets

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