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Zero-Based Budget

Every Dollar Has a Job

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Month:
Year:

INCOME

Paycheck 1:$__________
Paycheck 2:$__________
Side Income:$__________
Other:$__________
TOTAL INCOME:$__________

GIVE EVERY DOLLAR A JOB

Remaining to assign: $__________
HOUSING
Rent/Mortgage$________$________
Electric$________$________
Gas/Heat$________$________
Water$________$________
Internet$________$________
Phone$________$________
TRANSPORTATION
Car Payment$________$________
Gas$________$________
Insurance$________$________
Maintenance$________$________
Parking/Tolls$________$________
FOOD
Groceries$________$________
Dining Out$________$________
Coffee/Snacks$________$________
PERSONAL
Clothing$________$________
Personal Care$________$________
Health/Medical$________$________
Entertainment$________$________
Subscriptions$________$________
Hobbies$________$________
INSURANCE & DEBT
Health Insurance$________$________
Life Insurance$________$________
Credit Card$________$________
Student Loan$________$________
Other Debt$________$________
SAVINGS
Emergency Fund$________$________
Retirement$________$________
Sinking Funds$________$________
Other Goals$________$________
GIVING
Charity$________$________
Gifts$________$________
MISCELLANEOUS
Buffer/Fun Money$________$________
Other:$________$________
Other:$________$________
THE ZERO CHECK
Income
$__________
All Categories
$__________
=
Should be
$0

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Free Kakeibo Templates 2026 – Download PDF, Excel & Printable Budget Planners