Zero-Based Budget Modelo Essentials
Assign every dollar of income to a specific category until the balance reaches zero. Designed for people who want full control over each dollar.
O Que Está Incluído
- Dashboard with remaining-to-assign balance that counts down to zero as you allocate each dollar
- Zero-based budget worksheet with income at the top and category assignments flowing downward
- Income allocation section covering fixed expenses, variable spending, savings, and debt payments
- Automatic running balance that recalculates after each category so you can track every dollar
- Color-coded input cells (yellow) and formula-driven result cells (blue) for clear 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 remaining-to-assign balance that counts down to zero as you allocate each dollar
- Zero-based budget worksheet with income at the top and category assignments flowing downward
- Income allocation section covering fixed expenses, variable spending, savings, and debt payments
- Automatic running balance that recalculates after each category so you can track every dollar
- Renda aba for entering todos renda sources com totais mensais feeding em the zero-based alocação
- Orçamento Alocação aba assigning cada dollar across 16 categorias - the running remainder updates com cada alocação so você pode ver the unassigned saldo approach zero
- Gastos Log for recording real transações com data, categoria, descrição, e valor - suporta até 150 registros por mês
- Painel com 6 cartões de KPI: total renda, total allocated, restante to assign, total spent, variance de orçamento, e transação count
- Mensal History aba registro planned alocações vs real gastos totals for cada of 12 meses
Pré-visualização
Veja o que tem dentro desta planilha
Como Usar Esta Planilha de Zero-Based Budget
Enter your income
Add all income sources at the top. The remaining-to-assign balance starts at your total income and counts down as you allocate.
Assign every dollar
Distribute income across fixed expenses, variable spending, savings, and debt payments until the remaining balance reaches zero.
Track the balance
Watch the remaining-to-assign field. When it hits zero, every dollar has a purpose. A negative number means you have over-allocated.
Reconcile at month end
Compare planned allocations to actual spending. Adjust next month based on where you overspent or underspent.
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 does zero-based mean?
Zero-based budgeting means assigning every dollar of income to a category - spending, saving, or debt - so the unallocated balance reaches exactly zero. No money is left without a purpose.
What if I have leftover income?
Assign the remaining amount to savings, an emergency fund, or extra debt payments. The goal is for the remaining-to-assign field to show zero.
Can I use this for irregular income?
Yes. Enter your expected income for the month and allocate from there. If income varies, update the total when you know the actual amount and reassign categories.
How do I handle unexpected expenses?
Add a miscellaneous or buffer category in your allocations. When surprise expenses come up, deduct from that category to keep the budget balanced.
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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