{"product_id":"zero-based-budget-spreadsheet","title":"Zero-Based Budget Spreadsheet — Annual Planner for Excel \u0026 Google Sheets","description":"\u003cp\u003eGive every dollar a job before the year begins. SheetShark's Annual Zero-Based Budget Planner uses the zero-based method — income minus planned expenses equals zero — so you allocate money intentionally across all twelve months.\u003c\/p\u003e\n\u003ch3\u003eKey Features\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMonth-by-month allocation tables tied to annual income targets\u003c\/li\u003e\n\u003cli\u003eCategory planning for fixed bills, variable costs, savings, and goals\u003c\/li\u003e\n\u003cli\u003eVariance tracking to compare planned vs. actual spending\u003c\/li\u003e\n\u003cli\u003eAnnual rollup that shows whether your budget stays balanced\u003c\/li\u003e\n\u003cli\u003eClear structure for users who want disciplined, goal-driven budgeting\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat's Included\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel and Google Sheets files with annual and monthly planning tabs\u003c\/li\u003e\n\u003cli\u003eCategory list you can rename to match your household or business\u003c\/li\u003e\n\u003cli\u003eWorked examples demonstrating zero-based allocation\u003c\/li\u003e\n\u003cli\u003eInstant download — start your annual plan immediately\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eBuilt for households and individuals who prefer proactive budgeting over reactive tracking. Customize line items, adjust currency formatting, and use the sheet year after year in Excel or Google Sheets.\u003c\/p\u003e","brand":"SheetShark","offers":[{"title":"Default Title","offer_id":56522231677310,"sku":null,"price":21.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0938\/7511\/0270\/files\/AnnualZero-BasedBudgeting21_17_23_2.png?v=1783970312","url":"https:\/\/sheetshark.shop\/products\/zero-based-budget-spreadsheet","provider":"SheetShark","version":"1.0","type":"link"}