Monthly Spending Tracker

Enter your take-home income, then add your actual expenses. See exactly how your spending compares to your 50/30/20 targets — and where to adjust.

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Download the Excel version — works in Excel, Google Sheets and Apple Numbers. Pre-loaded with all categories and formulas built in.

Step 1 — Your Income

Monthly Take-Home Income (after tax)

Currency

Month

Needs target (50%)

$2,500

per month

Wants target (30%)

$1,500

per month

Savings target (20%)

$1,000

per month

🏠 Needs — Essential Expenses

Total: $0 of $2,500 target

Expense Name Amount

0% of target$2,500 remaining

🎯 Wants — Discretionary Spending

Total: $0 of $1,500 target

Expense Name Amount

0% of target$1,500 remaining

💰 Savings — Investments & Debt Payoff

Total: $0 of $1,000 target

Savings Item Amount

0% of target$1,000 remaining

Budget Report

Target allocation

Your actual spending

Needs

Wants

Savings

Unallocated

Category	Target	Actual	Difference	Status

📥 Download Excel