Give every dollar a job: income minus planned spending should come out at zero each month, with savings and debt as lines of their own.
Enter your income at the top and your spending below, month by month; the template adds up each month and shows what is left over. In a zero-based budget, aim for zero.
The file works in Excel, Numbers, Google Sheets and LibreOffice. If you would rather have it done for you, Xpenses reminds you of every bill and works out how much you will have at the end of each month.