# 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]