Zero-Based Budget Template + Net Worth Tracker

You don't need my income or my exact budget. You need a system that helps you make the most of the money you have.

I built this all-in-one budgeting and net worth spreadsheet to create a simple system for managing my money, and it’s the same system I used to go from a negative net worth to my first $100K.

It’s designed to help you know exactly where your money is going, how much you have left to spend, and whether you’re actually making financial progress each month.

With the tracker, you can:

✅ Give every dollar a job with a zero-based monthly budget built around your actual income.

✅ Track your spending and see exactly how your actual expenses compare to what you planned.

✅ Understand where your money is going with an easy-to-read dashboard that automatically breaks down your spending.

✅ Track your net worth month after month and watch your savings, investments, assets, and debt change over time.

✅ See the bigger picture by keeping your budget, spending, savings, debt, and net worth together in one place.

No complicated budgeting app. No fancy financial knowledge required. Just enter your numbers and let the spreadsheet do the math for you.

Built-in formulas automatically calculate your totals and update your charts, so you can spend less time managing a spreadsheet and more time making intentional decisions with your money.