70/20/10 Budget Modelo Essentials
Divide income into 70% living expenses, 20% savings, and 10% giving or debt. A minimalist percentage-based budgeting framework.
O Que Está Incluído
- Dashboard with 70/20/10 split view showing living expenses, savings, and giving allocations visually
- Automatic percentage allocation that calculates dollar targets for each category from gross income
- Budget tracker with formulas covering rent, food, utilities, insurance, and other living cost items
- Income-based category targets with monthly variance summary highlighting over or under spending
- Color-coded input fields (yellow) and auto-calculated summary cells (blue) for guided data entry
- 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 70/20/10 split view showing living expenses, savings, and giving allocations visually
- Automatic percentage allocation that calculates dollar targets for each category from gross income
- Budget tracker with formulas covering rent, food, utilities, insurance, and other living cost items
- Income-based category targets with monthly variance summary highlighting over or under spending
- Painel com 6 cartões de KPI: mensal renda, living despesas total, poupança total, dívida ou giving total, overall saldo, e meses tracked
- Orçamento Rastreador aba calculando 70%, 20%, e 10% dollar metas de mensal renda com real vs meta comparação per bucket
- Living Despesas aba for todos dia-to-dia custos - housing, food, transportation, serviços públicos, seguro, e personal despesas - com subtotals e 70% acompanhamento
- Poupança aba for emergency fund, aposentadoria, investimentos, e short-prazo poupança goals com progresso acompanhamento e 20% meta comparação
- Dívida e Giving aba acompanhamento dívida pagamentos e charitable giving together na 10% bucket - cada com seu own subcategoria linhas
Pré-visualização
Veja o que tem dentro desta planilha
Como Usar Esta Planilha de 70/20/10 Budget
Enter monthly income
Add your after-tax income at the top. The template splits it into 70% living expenses, 20% savings, and 10% giving or debt.
Fill in living expenses
Assign your regular costs - rent, food, utilities, insurance, and transportation - to the 70% living expenses bucket.
Allocate savings and giving
Enter savings contributions in the 20% bucket and charitable giving or extra debt payments in the 10% bucket.
Check the breakdown
The dashboard displays actual vs target for each bucket, showing whether your spending aligns with the 70/20/10 framework.
Criadas com Claude AI. Aperfeiçoadas por nós.
Usamos Claude AI para criar cada planilha, após uma pesquisa aprofundada. Depois, nossa equipe entra em ação. Refinamos o layout, testamos exaustivamente cada fórmula, corrigimos casos extremos e polimos o design até que pareça algo que nós mesmos usaríamos. A IA nos leva 80% do caminho. Os últimos 20% são puro julgamento humano.
Perguntas Frequentes
What goes in the 10% bucket?
The 10% bucket is typically for charitable giving, donations, tithing, or extra debt payments beyond minimums. You can use it for whichever purpose fits your priorities.
Is this based on gross or net income?
The template works with after-tax (net) income. Enter the amount you actually take home from your paycheck.
Can I adjust the percentages?
Yes. The percentage cells are editable. Change them to any ratio that better reflects your income and spending reality.
What if I cannot save 20%?
The template tracks the variance so you can see how far off you are. Even starting with a smaller savings percentage and working up over time is a valid approach.
Como abrir no Google Sheets?
Envie o arquivo .xlsx para o Google Drive e abra com o Google Sheets. Todas as fórmulas e formatações serão preservadas.
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