70/20/10 Budget Pro
Full-year 70/20/10 budget tracker splitting income across Living, Savings, and Debt or Giving with monthly history and variance analysis.
Free vs Pro
- Set monthly income and view 70/20/10 dollar targets
- Log living, savings, and debt or giving with category totals
- Dashboard with budget balance for the current month
- Works in Excel and Google Sheets
- Dashboard with 6 KPI cards: monthly income, living expenses total, savings total, debt or giving total, overall balance, and months tracked
- Budget Tracker sheet calculating 70%, 20%, and 10% dollar targets from monthly income with actual vs target comparison per bucket
- Living Expenses sheet for all day-to-day costs - housing, food, transportation, utilities, insurance, and personal expenses - with subtotals and 70% tracking
- Savings sheet for emergency fund, retirement, investments, and short-term savings goals with progress tracking and 20% target comparison
- Debt and Giving sheet tracking debt payments and charitable giving together in the 10% bucket - each with its own subcategory rows
- Monthly History sheet recording actual vs target for all three buckets across 12 months with variance and percent of income per bucket
- Conditional formatting highlights any month where a bucket exceeds its target by more than 5 percentage points
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no macros required
Preview
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How to Use This Template
Set your income and bucket targets
Go to Budget Tracker and enter your monthly take-home pay. The 70%, 20%, and 10% dollar targets for each bucket calculate automatically.
Log living expenses
In the Living Expenses sheet, enter all day-to-day costs as they occur across housing, food, transportation, and other categories.
Track savings and debt or giving
Record savings contributions in the Savings sheet. Log debt payments and charitable giving in the Debt and Giving sheet with individual category rows.
Record each month in history
At month end, enter bucket totals in Monthly History to build a year-long record. Variance columns show which buckets are consistently over or under target.
Built by Claude AI. Perfected by us.
We use Claude AI to draft each Pro template after deep research. Then our team steps in - refining the layout, stress-testing every formula, fixing edge cases, and polishing the design. The AI gets us 80% there. The last 20% is all human judgment.
One-time purchase. No subscription. Works in Excel & Google Sheets.
Frequently Asked Questions
What goes in the 10% Debt and Giving bucket?
The 10% bucket combines debt repayment beyond minimums and charitable giving. Some people allocate it entirely to debt paydown, others split it between the two. The Debt and Giving sheet has subcategory rows for each use.
How does the 70% living bucket compare to other methods?
The 70/20/10 method is often used when overall costs are high or income is lower. The 70% allocation for living is broader than the 50% or 60% in other methods, leaving less room for savings at 20% and giving or debt at 10%.
How does the Monthly History sheet work?
At month end, enter actual totals for each bucket. The sheet calculates variance from the 70/20/10 targets and shows percent of income used per bucket for every month in the year.
Can I use this for giving only, with no debt?
Yes. If you have no debt, put all 10% toward charitable giving. Rename the Debt rows in the Debt and Giving sheet to match your giving categories.
What happens if living expenses go over 70%?
The variance column in Budget Tracker and Monthly History shows the overage immediately. Conditional formatting flags months where living expenses exceed 75% of income so patterns are easy to spot.
What do I get after purchase?
You receive an Excel file (.xlsx) that works in Microsoft Excel, Google Sheets, and LibreOffice Calc. Download it immediately after purchase - no signup or account required.
Is there a free version?
Yes. The free version of this template is available with basic features. The Pro version adds advanced analysis, more capacity, and additional sheets.
What if it does not work for me?
Contact us and we will help troubleshoot. The template works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no macros required.
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