80/20 Budget Template + Bill Calendar (Google Sheets & Excel Spreadsheet)

The 80/20 Budget Template is perfect for a straightforward approach to managing your finances without overcomplicating things.

Instead of tracking dozens of categories or strict rules, this method focuses on what matters most: spending mindfully and saving consistently.

With this system, your income is divided into:

✔️ 80% for Expenses (housing, bills, groceries, lifestyle, and everyday spending) ✔️ 20% for Savings (emergency fund, investments, future goals)

It’s a flexible and realistic method that works for any income level — and it’s especially helpful if you want to build savings without feeling restricted.

Prefer a different split? No problem.

You can easily adjust the percentages to suit your lifestyle and financial goals.

Why You’ll Love It

✅ Simple & Easy to Follow No complicated budgeting rules—just a clear system that’s easy to stick to long term.

✅ Perfect for Beginners Great if you’re new to budgeting and want a method that actually feels manageable.

✅ Automatic Calculations Enter your income and expenses once—totals, percentages, and charts update instantly.

✅ Flexible & Customisable Adjust categories and percentages to match your lifestyle and priorities.

✅ Encourages Consistent Saving Build better financial habits by prioritising savings without overthinking every expense.

✅ All Currencies Supported Set your preferred currency once—it updates across the entire template.

✅ Pre-Filled Example Tab See exactly how the template works before you start.

Perfect For

☑️ Beginners who want a simple budgeting method ☑️ Anyone who finds detailed budgets overwhelming ☑️ People focused on building savings consistently ☑️ Those who want flexibility without strict rules ☑️ Anyone looking for a low-stress way to manage money