30/50/20 Budget Spreadsheet Template | Excel and Google Sheets

30/50/20 – Lifestyle Upgrade (Enjoying Life to the Fullest) 

The 30/50/20 Lifestyle Upgrade budget template is ideal for those who want to live well today while securing their financial future. It helps you balance lifestyle goals, enjoyment, and savings.

Who Is This Template For?

This template is great for those who:

• Want to enjoy life without compromising financial priorities.
• Appreciate experiences like travel, shopping, and entertainment but still plan for the future.
• Are ready to improve their finances to support personal goals and desires.
• Need a healthy balance between having fun and saving for emergencies or long-term goals.

How Does It Work?

The 30/50/20 rule divides your income into three categories:

• 30% Needs: Essential expenses such as rent, utilities, groceries, and transportation.
• 50% Wants: The fun part—travel, shopping, dining out, and other activities that bring joy.
• 20% Savings: Helps you build financial security for the future—emergency fund, retirement, or investments.

Why Choose This Template?

Balanced Lifestyle: Enjoy life while being financially responsible.

Focus on Fun: With 50% dedicated to wants, you can indulge in life's pleasures without guilt.

Financial Security: The 20% savings ensures you’re building a safety net and preparing for the future.

Benefits

• Optimized Essentials: 30% for needs ensures your basic expenses are covered without overspending.
• Maximum Enjoyment: 50% for wants gives you the freedom to live life to the fullest.
• Future Planning: 20% savings lets you build an emergency fund or invest for future goals.
• Easy to Use: Simple and clear structure for stress-free budgeting.

Is This Template Right for You?

If you want to live your best life while staying on top of your finances, the 30/50/20 Lifestyle Upgrade template is perfect. It’s all about balancing enjoyment today with securing your financial future.

WHAT’S INCLUDED?

• Step-by-step instructions 
• 4 Templates of Spreadsheets
• Sample Google Sheet with Mock Data
• Blank Google Sheet
• Sample Excel with Mock Data
• Blank Excel
• Editable in Google Sheets and Microsoft Excel
• Compatible with MAC, PC, Phones, or Tablets

HOW IT WORKS & REQUIREMENTS

YOU WILL NEED:

• A device to access Google Sheets or Microsoft Excel
• A Google Account (if using Google Sheets)
• Microsoft Excel software (if using Excel)
• Basic computer skills

HOW IT WORKS:

• Purchase and download instantly.
• Open the PDF file to access the Google Sheet link.
• Download the Excel template.
• Open the spreadsheet and start planning!

IMPORTANT TO KNOW:

• This is a digital download; no physical items will be shipped.
• Due to the nature of digital products, all sales are final, and refunds are not available.

COLOR DISCLAIMER:

Please note that colors in the spreadsheet may vary slightly due to screen display differences on your device. This can include variations in color on phones, tablets, and computers.

Note: For the best experience, we recommend using a desktop or laptop for full editing capabilities.