80/20 Budget Modelo Essentials
A simplified two-bucket approach - save 20% and spend the remaining 80% however needed. For those who prefer minimal budget categories.
O Que Está Incluído
- Dashboard with 80/20 allocation view showing total income split into spending and savings buckets
- Two-bucket budget tracker that separates all spending (80%) from savings and investments (20%)
- Automatic savings target calculation that updates the 20% goal whenever income amounts change
- Flexible spending section within the 80% bucket - no rigid categories, just total spending tracked
- Color-coded input cells and clean summary layout with automatic income-based percentage updates
- 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 80/20 allocation view showing total income split into spending and savings buckets
- Two-bucket budget tracker that separates all spending (80%) from savings and investments (20%)
- Automatic savings target calculation that updates the 20% goal whenever income amounts change
- Flexible spending section within the 80% bucket - no rigid categories, just total spending tracked
- Painel com 6 cartões de KPI: mensal renda, poupança total, gastos total, overall saldo, taxa de poupança, e acumulativo anual poupança
- Orçamento Rastreador aba calculando the 20% poupança meta e 80% gastos limit de mensal renda com real vs meta comparação
- Gastos aba for todos living e lifestyle despesas across 12 categorias - the 80% bucket com no further necessário splits
- Poupança aba acompanhamento contribuições to específico poupança goals, investimentos, e emergency fund dentro de the 20% bucket
- Mensal History aba registro gastos e poupança totals for todos 12 meses com over/under variance per bucket
Pré-visualização
Veja o que tem dentro desta planilha
Como Usar Esta Planilha de 80/20 Budget
Enter your income
Type your monthly after-tax income at the top. The template calculates the 80% spending limit and 20% savings target automatically.
Track total spending
Record all expenses in the spending section. The template focuses on total spending rather than detailed category breakdowns.
Verify your savings
Check whether the 20% savings target is met. The dashboard shows how much has been saved vs the target amount.
Adjust the balance
If total spending exceeds 80%, review the largest expense items. The simple two-bucket view makes it easy to see where you stand.
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
Why only two buckets?
The 80/20 approach simplifies budgeting to one rule - save 20% and spend the rest however you need. It is designed for people who do not want detailed category tracking.
Do I need to categorize my expenses?
No. The template tracks total spending against the 80% limit. You can add categories if you want, but the core design does not require them.
Can I change the savings percentage?
Yes. The percentage fields are editable. Adjust the split to 85/15, 75/25, or any ratio that fits your situation.
Where does debt payment go?
Minimum debt payments are part of the 80% spending bucket. Extra payments beyond minimums can go in the 20% savings bucket since they build net worth.
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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