Zero-Based Budget Worksheet
DATE or MONTH
1. INCOME BUDGET ACTUAL 5. SMALL BILLS BUDGET
Gross Income 1 Utilities: Water/Sewer/Trash
Gross Income 2 Utilities: Electric/Gas
Social Security / Pension Utilities: Internet
Interest / Dividends Utilities: Phone
Utilities: Cable / Streaming
TOTAL 0.00 0.00 Medical / Dental / Vision
Magazine Subscription
2. ADJUSTMENTS BUDGET ACTUAL Life Insurance (term)
Tax Withholdings Home/Rent Insurance
Other Paycheck Deductions
Tithing
Priority Savings
SUBTOTAL 0.00 0.00 SUBTOTAL 0.00
BUDGET REMAINING 0.00 0.00 BUDGET REMAINING 0.00
3. BIG BILLS BUDGET ACTUAL 6. DAILY LIVING BUDGET
Mortgage/Rent ✉ Groceries
Health Insurance ✉ Dining / Fun
Car Insurance ✉ Clothing
Property Tax ✉ Supplies
Major Car Repairs ✉ Gas / Fares
Unexpected Medical Bills ✉ Gifs
Home Repairs ✉ Medicine
Appliance Replacement ✉ Pet Care
Unexpected Travel ✉ Children
✉ Miscellaneous
Discretionary 1
Discretionary 2
SUBTOTAL 0.00 0.00 SUBTOTAL 0.00
BUDGET REMAINING 0.00 0.00 BUDGET REMAINING 0.00
4. DEBT BUDGET ACTUAL 7. SAVINGS BUDGET
Car Payments Emergency Fund
Credit Card Payments Debt Snowball
Student Loans Retirement Fund
College Fund
Car Replacement
Vacation / Travel
SUBTOTAL 0.00 0.00 SUBTOTAL 0.00
https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
BUDGET REMAINING 0.00 0.00 FINAL BUDGET (make it zero) 0.00
https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
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https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
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https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
Zero-Based Budget Worksheet OCTOBER
DATE or MONTH
1. INCOME BUDGET ACTUAL 5. SMALL BILLS BUDGET
Gross Income 1 4,700.00 Utilities: Water/Sewer/Trash 80.00
Gross Income 2 3,500.00 Utilities: Electric/Gas 70.00
Social Security / Pension Utilities: Internet 98.00
Interest / Dividends Utilities: Phone 62.00
Utilities: Cable / Streaming 31.00
TOTAL 8,200.00 0.00 Medical / Dental / Vision 20.00
Magazine Subscription 11.00
2. ADJUSTMENTS BUDGET ACTUAL Life Insurance (term) 67.00
Tax Withholdings 2,050.00 Home/Rent Insurance 75.00
Other Paycheck Deductions 246.00
Tithing 820.00
Priority Savings 125.00
SUBTOTAL 3,241.00 0.00 SUBTOTAL 514.00
BUDGET REMAINING 4,959.00 0.00 BUDGET REMAINING 1,518.00
3. BIG BILLS BUDGET ACTUAL 6. DAILY LIVING BUDGET
Mortgage/Rent 1,200.00 ✉ Groceries 450.00
Health Insurance 750.00 ✉ Dining / Fun 100.00
Car Insurance 230.00 ✉ Clothing 50.00
Property Tax 250.00 ✉ Supplies 50.00
Major Car Repairs 100.00 ✉ Gas / Fares 135.00
Unexpected Medical Bills 100.00 ✉ Gifs 35.00
Home Repairs 40.00 ✉ Medicine 25.00
Appliance Replacement 50.00 ✉ Pet Care 30.00
Unexpected Travel 25.00 ✉ Children 75.00
✉ Miscellaneous 100.00
Discretionary 1 25.00
Discretionary 2 25.00
SUBTOTAL 2,745.00 0.00 SUBTOTAL 1,100.00
BUDGET REMAINING 2,214.00 0.00 BUDGET REMAINING 418.00
4. DEBT BUDGET ACTUAL 7. SAVINGS BUDGET
Car Payments Emergency Fund 200.00
Credit Card Payments 57.00 Debt Snowball 218.00
Student Loans 125.00 Retirement Fund
College Fund
Car Replacement
Vacation / Travel
SUBTOTAL 182.00 0.00 SUBTOTAL 418.00
https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
BUDGET REMAINING 2,032.00 0.00 FINAL BUDGET (make it zero) 0.00
https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
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https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
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https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
Zero-Based Budget Worksheet
DATE or MONTH
1. INCOME BUDGET ACTUAL 5. SMALL BILLS BUDGET
TOTAL
2. ADJUSTMENTS BUDGET ACTUAL
SUBTOTAL SUBTOTAL
BUDGET REMAINING BUDGET REMAINING
3. BIG BILLS BUDGET ACTUAL 6. DAILY LIVING BUDGET
SUBTOTAL SUBTOTAL
BUDGET REMAINING BUDGET REMAINING
4. DEBT BUDGET ACTUAL 7. SAVINGS BUDGET
SUBTOTAL SUBTOTAL
https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
BUDGET REMAINING FINAL BUDGET (make it zero)
https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
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https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
https://www.vertex42.com/ExcelTemplates/zero-based-budget-worksheet.html © 2019 by Vertex42.com
Zero-Based Budget Worksheet
By Vertex42.com
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© 2019 Vertex42 LLC
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Do not delete this worksheet
