قالب ميزانية

كيف يعمل والحدود

The structure of Google Sheets' built-in Monthly Budget template (the leader the research identified): income and expense lines each carry Planned, Actual and what's left (Planned − Actual), with a summary difference, plus the 50/30/20 view — needs 50%, wants 30%, savings and debt repayment 20% of take-home. Download the CSV and it opens in Excel, Google Sheets or LibreOffice with your figures in place. What a static template cannot do is sync a bank feed or import transactions automatically — those are paid server products (the research cites Tiller at $79/yr); here, you type the numbers and keep the file. For a guided planner version, see the Monthly Budget Planner.