Template · Personal
Monthly budget 50/30/20 template for Excel & Google Sheets
Plan your month, compare planned vs actual and see if you follow the 50/30/20 rule (needs, wants, savings).
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Why you will like it
- Ready to use: formulas, formatting and example data are already in place.
- Instructions inside: a “Start here” tab explains every tab in one minute.
- Made to adapt: replace the example data with yours and everything updates.
What is inside the file
These are the real tabs of the file you download:
- Start hereHow to use the file in one minute.
- BudgetYour monthly plan and the 50/30/20 check.
- AI prompts5 ready-to-copy prompts to adapt and analyse this template.
Look inside
How it works in 3 steps
- Write your income lines with type "Income".
- Add every expense and choose Need, Want or Saving.
- Fill "Actual" during the month: the boxes and the 50/30/20 check update alone.
Works where you work
- Excel 2016 or newer, Microsoft 365 and Excel for the web
- Google Sheets: upload the .xlsx to Drive and open it with Sheets
- No macros, no add-ins, nothing to install
AI prompt included
Paste your data into ChatGPT, Claude or Gemini with this prompt:
These are my monthly expenses by line (pasted below) and my net income is [amount]. Propose a realistic plan to reach 50/30/20 in 3 months: which 5 lines to cut, by how much, and what to do with the money saved. [paste rows]
Questions
Does the Monthly budget 50/30/20 template work in Google Sheets?
Yes. Upload the .xlsx file to Google Drive and open it with Google Sheets, or use File → Import. It uses classic functions, so it works the same.
Can I use my own data?
Yes. Replace the example data with yours and the formulas, charts and summaries update on their own. The “Start here” tab tells you where to type.
Is Monthly budget 50/30/20 sold on its own?
It comes in the Formulyo pack: 30 templates for a one-time $19, with the AI prompts and lifetime updates. 14-day money-back guarantee.
In which languages do the files come?
Every template comes in English, Spanish, Portuguese and German.
Do I need macros or add-ins?
No. They are plain .xlsx files with formulas only.
