70/20/10 Budget Template + Bill Calendar (Google Sheets & Excel Spreadsheet)
 
Take full control of your finances with this easy-to-use digital budget planner, designed for clarity, simplicity, and real results.
 
The 70/20/10 Budget Template is a beautifully designed, one-tab budgeting tool that helps you organize your income, expenses, savings, and debt using the 70/20/10 rule.
 
It’s a flexible, intentional system that divides your after-tax income into:
70% for Expenses (essentials like housing, utilities, groceries, transportation)
20% for Savings (emergency fund, investments, long-term goals)
10% for Debt Repayment (credit cards, student loans, or other obligations)
 
Prefer a different ratio? No problem. You can easily customize the percentages to match your lifestyle and goals — whether it’s 60/30/10, 75/15/10, or your own unique mix.
 
Why You’ll Love It
 
✅ Beginner-Friendly & Simple
Manage your entire budget on one clean tab. Track income, expenses, savings, and debt without complicated formulas or multiple sheets.
 
✅ Customizable 70/20/10 System
Adjust categories and percentages to reflect your personal spending habits and financial goals.
 
✅ Automatic Calculations
Enter your income and expenses once — totals, percentages, and charts update instantly to show your progress across each category.
 
✅ Built-In Bill Calendar
Stay on top of due dates and recurring payments. Use this Google Sheets budget tool to organize your bills and create a stress-free routine for managing money.
 
✅ Visual Insights
Beautiful charts and dashboards give you an instant snapshot of how your money is divided between expenses, savings, and debt — so you always know where you stand.
 
✅ All Currencies Supported
Set your preferred currency once — it updates automatically across the entire template.
 
✅ Pre-Filled Example Tab
See exactly how the template works before you start.
 
Perfect For
 
☑️ Anyone who wants a clear, structured approach to budgeting.
☑️ Beginners learning to manage money with confidence.
☑️ People focused on balancing expenses, saving more, and paying down debt.
☑️ Anyone seeking a simple, visual system to achieve financial clarity.