Zero-Based Budget

Zero-based budgeting is a powerful financial strategy where your total income minus your total expenses equals zero. This doesn't mean you have zero money left; it means every single dollar is assigned a specific purpose, whether that be spending, saving, or investing.

This template provides a structured format to list your expected income, categorize fixed and variable expenses, and allocate funds to debt and savings. It is designed to help you plan your month in advance, track actual spending against your plan, and ensure no money 'disappears' without being accounted for.