Budget: [month year]
Money assigned before it's spent. Zero-based: income minus planned
outflows equals zero – every unit has a job.
| Field | Value |
|---|
| Month | YYYY-MM |
| Currency | [code] |
Income
| Source | Expected | Actual |
|---|
| [salary] | N | |
| [other] | N | |
| Total | N | N |
Fixed expenses
| Category | Planned | Actual |
|---|
| Housing | N | |
| Utilities | N | |
| Insurance | N | |
| Subscriptions | N | |
| Subtotal | N | |
Variable expenses
| Category | Planned | Actual |
|---|
| Groceries | N | |
| Transport | N | |
| Eating out | N | |
| Personal | N | |
| Subtotal | N | |
Savings & debt
| Goal | Planned | Actual |
|---|
| Emergency fund | N | |
| [debt payoff] | N | |
| [savings goal] | N | |
| Subtotal | N | |
Summary
| Planned | Actual |
|---|
| Income | N | |
| Out | N | |
| Remaining | N | |
Check: planned income - planned out = 0 (zero-based).
Month-end notes
- Overspent on: [category + why]
- Under-spent on: [category]
- Adjust next month: [one change]