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20-30-50 Budgeting Ratio Spreadsheet
To edit this file, click File > Make A Copy to get your own. Or File >Download as...
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Monthly Income$5,000.00
This spreadsheet is part of this post on money ratios:
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https://wallethacks.com/money-ratios/
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Actual RatioActual AmountTarget RatioTarget Amount
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Savings / Debt Repayment20.00%$1,000.0020%$1,000.00
The purpose of this spreadsheet is to help you understand your spending and adjust
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Car Note$250.00
it based on your savings goals. The goal is to achieve a 20-30-50 ratio of saving,
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Retirement$500.00
housing, and personal spending. This is not a budget but can help you form one.
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House Downpayment$200.00
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Emergency Fund$50.00
How to use this spreadsheet:
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1. Update your monthly salary in E3.
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Housing30.00%$1,500.0030%$1,500.00
2. Edit the savings goals under Savings / Debt Repayment.
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3. Add rows if necessary but update the total equation in C6.
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Personal Spending17.66%$882.9950%$2,500.00
4. Repeat for Personal Spending. Estimates are good enough.
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Clothing$25.00
5. Review your actual amount total (gray) compared to target amount, which is your salary.
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Parking$50.00
6. "Wiggle Room" is the Total - Actual, or how much excess you have left.
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Groceries$500.00
If it's negative, you are allocating more than you earn. Reduce some values
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Restaurants/Bars$200.00
until it's zero or positive.
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Insurance$100.00
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Gifts$0.00
Send any questions or suggestions to jim@wallethacks.com
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Netflix$7.99
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Other$0.00
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Other$0.00
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Other$0.00
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Total67.66%$3,382.99100.00%$5,000.00
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"Wiggle Room"$1,617.01
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