70/20/10 Budget Essentials 模板
Divide income into 70% living expenses, 20% savings, and 10% giving or debt. A minimalist percentage-based budgeting framework.
包含内容
- 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
- 仪表板包含6个关键指标卡片：月收入、生活支出总额、储蓄总额、债务或捐赠总额、总余额和已追踪月数
- 预算追踪工作表从月收入计算70%、20%和10%的金额目标，包含每个分类的实际与目标对比
- 生活支出工作表用于所有日常费用 - 住房、食品、交通、水电、保险和个人支出 - 包含小计和70%追踪
- 储蓄工作表用于应急基金、退休、投资和短期储蓄目标，包含进度追踪和20%目标对比
- 债务与捐赠工作表在10%的分类中同时追踪债务偿还和慈善捐赠 - 各有独立的子类别行
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如何使用这个70/20/10 Budget模板
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.
由 Claude AI 构建，经我们精心打磨。
我们使用 Claude AI 在深入研究后起草每个模板。然后由团队接手，优化布局、全面测试每个公式、修复边界情况，并打磨设计，直到达到我们自己愿意使用的标准。AI 完成了 80% 的工作，最后 20% 靠的是人工判断。
常见问题
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.
如何在 Google Sheets 中打开？
将 .xlsx 文件上传到 Google Drive，然后使用 Google Sheets 打开。所有公式和格式都会保留。