Could you pay certain loans off faster? Or perhaps you would like to save up for a special or large purchase. Similar to the GLBL budget spreadsheet, the zero-based budget involves distributing your income to certain expense categories, so the balance equals zero at the end of each month. Whether you’re allocating money to living expenses (housing, car, groceries, etc.), to fun and entertainment, or to save for the future, a zero-based budget sheet will tell you where each dollar is going. In this template, input your monthly budget and then track it against your monthly actual spent. With pre-set formulas in place, you will see your annual total, annual budget, and annual variance automatically calculated as you make changes to budget items. Smartsheet is a work management and automation platform that enables enterprises and teams to work better. Its pre-built personal budget template makes it even easier to create a budget, conduct monthly check-ins, and improve accountability. An example startup budget is also included to help guide you through the process. Plus, Smartsheet’s powerful collaboration features allow you to attach files, set up reminders, and share your budget with key stakeholders.