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Quick-Start Guide
Works in both. Go to File → Make a Copy in Google Sheets for the best experience — edits save automatically.
Start with your actual take-home pay, not gross. This sets a realistic baseline for every other number in the sheet.
Rent, car payments, subscriptions first — these don't move. Then tackle groceries, dining, and entertainment.
Before you close the tab: write one specific goal in the Goals section. Vague targets don't get funded — specific ones do.
The free template gets you started. The Budget Quick-Start Guide gets you results — with step-by-step instructions, done-for-you formulas, and a 90-day roadmap.
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