60/20/20 Budget Modelo Essentials
Structure spending with 60% for committed expenses, 20% for financial goals, and 20% for flexible spending. A security-first budgeting approach.
O Que Está Incluído
- Dashboard with 60/20/20 allocation view splitting income into committed, goals, and flexible buckets
- Automatic percentage calculations that compute target amounts for each bucket based on total income
- Budget tracker with category breakdowns for housing, insurance, debt payments, and savings goals
- Income-based target amounts with variance tracking showing how actual spending compares to each bucket
- Color-coded input cells and formatted result areas for a clean, professional budget layout
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Need more from this template?
The Essentials version covers everyday tracking. Ultimate goes further with multi-entity support, scenario analysis, and ultimate-grade reporting.
- Dashboard with 60/20/20 allocation view splitting income into committed, goals, and flexible buckets
- Automatic percentage calculations that compute target amounts for each bucket based on total income
- Budget tracker with category breakdowns for housing, insurance, debt payments, and savings goals
- Income-based target amounts with variance tracking showing how actual spending compares to each bucket
- Painel com 6 cartões de KPI: mensal renda, living despesas total, financial goals total, flexible gastos total, overall saldo, e meses tracked
- Orçamento Rastreador aba calculando 60%, 20%, e 20% dollar metas de mensal renda com real vs meta comparação
- Living Despesas aba for fixo e essential custos - aluguel, serviços públicos, groceries, seguro, transportation - com subtotals e 60% meta acompanhamento
- Financial Goals aba for poupança, investimentos, dívida paydown, e específico poupança goals com 20% meta acompanhamento e progresso per goal
- Flexible Gastos aba for discretionary e lifestyle despesas com subcategorias e 20% meta acompanhamento
Pré-visualização
Veja o que tem dentro desta planilha
Como Usar Esta Planilha de 60/20/20 Budget
Enter your income
Type your monthly after-tax income. The template calculates 60%, 20%, and 20% target amounts for each bucket automatically.
Fill in committed expenses
Add fixed costs like housing, insurance, utilities, and debt payments into the 60% committed expenses bucket.
Assign goals and flexible spending
Put savings and investment amounts in the 20% goals bucket, and discretionary spending in the 20% flexible bucket.
Review the variance
The dashboard shows how each bucket compares to its target. Adjust spending or savings amounts to move closer to the 60/20/20 split.
Criadas com Claude AI. Aperfeiçoadas por nós.
Usamos Claude AI para criar cada planilha, após uma pesquisa aprofundada. Depois, nossa equipe entra em ação. Refinamos o layout, testamos exaustivamente cada fórmula, corrigimos casos extremos e polimos o design até que pareça algo que nós mesmos usaríamos. A IA nos leva 80% do caminho. Os últimos 20% são puro julgamento humano.
Perguntas Frequentes
What goes in the 60% committed bucket?
Committed expenses are obligations you cannot easily change month to month - rent or mortgage, insurance premiums, loan payments, utilities, and transportation costs.
What is the difference between goals and flexible?
Goals (20%) cover savings, investments, and debt payoff beyond minimums. Flexible (20%) is for discretionary items like dining, entertainment, and shopping.
Can I customize the percentages?
Yes. The percentage cells are editable. You can change 60/20/20 to any split that works for your financial situation.
How does this differ from 50/30/20?
The 60/20/20 approach allocates more to committed expenses and less to discretionary spending compared to 50/30/20. It suits people with higher fixed costs.
Como abrir no Google Sheets?
Envie o arquivo .xlsx para o Google Drive e abra com o Google Sheets. Todas as fórmulas e formatações serão preservadas.
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