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Zero-Based Budget Planner
Assign every dollar of income a specific purpose - no money left unallocated
Total Income
$5,000
Monthly income
Allocated
$5,200
104.0% of income
Remaining
$200
Over-allocated
Budget Status
Over-allocated
Needs adjustment
Monthly Income
Salary, wages (after taxes)
Side hustle, freelance
Dividends, bonuses, etc.
Budget Status: Over-allocated
You've over-allocated by $200. Reduce spending or increase income.
💡 Recommendations:
- • Reduce discretionary spending categories
- • Look for ways to increase income
📊 Expense Tracking
Budget Allocations
Essential Expenses
$2,850 allocated
Savings & Investments
$1,400 allocated
Discretionary Spending
$650 allocated
Goals & Future
$300 allocated
Zero-Based Budgeting Guide
Zero-Based Principles
- • Every dollar must have a specific purpose
- • Income minus expenses should equal zero
- • Prioritize essentials, then savings, then wants
- • Review and adjust categories monthly
- • Track actual spending against allocations
Category Guidelines
- • Essential: Housing, utilities, minimum debt payments
- • Savings: Emergency fund, retirement, investments
- • Discretionary: Entertainment, dining out, shopping
- • Goals: Vacation fund, extra debt payments
- • Tip: Aim for 20% savings rate if possible