Zero based budget
Give all of your income a job: write each category’s share, track what you spend and what remains, and check that income minus everything you allocated comes to zero.
Write the month’s income, expenses and totals in the boxes at the top, then each category’s planned and actual amounts below; the Difference column shows where the month went over.

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One row filled in, as an example.
| Category | Planned | Actual | Difference |
|---|---|---|---|
| Groceries | 600 | 580 | 20 |
Type in the box, one row per line, with | between the columns. Leave the box empty for a blank form. Choose Fillable PDF to type in the rest of the boxes in a PDF reader.
Give all of your income a job: write each category’s share, track what you spend and what remains, and check that income minus everything you allocated comes to zero.
Split your income into needs (50%), wants (30%) and saving or paying off debt (20%): the sheet shows how to work out each target from your income, with room for what you actually spent.
Budget one paycheck at a time: write the pay date and amount, assign each bill or category, and see what is left before the next payday.
One sheet for each cash envelope: write its category and starting balance, then log every top-up and purchase with the balance left.
No sheets match that. Try a shorter word.
Use the same paper size in the PDF and printer settings. Choose Actual size or 100%. Print a sample before making copies.