OmniAura Finance Team
Hand-built in Excel & Google Sheets
Zero-Based Budget Master Spreadsheet
The complete zero-based budgeting system in Excel and Google Sheets. Every dollar assigned, every category tracked, with automatic surplus/deficit calculation and savings rate display.
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How delivery works
Complete checkout
Secure payment via Stripe — takes under 60 seconds.
Instant access
Your download link appears immediately on the confirmation page.
Download & use
Open in your preferred app and start using right away.
What this does for you
Stop wondering where your money goes.
Who it's for: Anyone who wants to take control of their monthly cash flow
About this product
Every dollar gets a job — and the math enforces it. This isn't another envelope tracker; it's a zero-based budgeting engine with four linked sheets, 18 budget categories, conditional over-budget flags, a sinking-fund planner for irregular expenses, and a debt payoff tracker that calculates interest cost per debt. Works identically in Excel 2016+ and Google Sheets — share with a partner, edit on the go, no plugin required. Built by finance professionals; used by households to move from "where did my money go?" to a measurable savings rate, usually in the first 30 days.
About this item
- Instant digital download — Excel + Google Sheets, delivered the moment checkout completes
- Buy once, keep forever — re-download anytime, no subscription
- Download links also emailed to you for safe keeping
- Personal-use license — print or use digitally as often as you like
Your download — 1 file
- Zero-Based Budget Master Spreadsheet — Zero Based Budget Master (XLSX)
Item details
- Format
- Excel + Google Sheets · XLSX
- Delivery
- Instant download after checkout, plus links emailed to you
- Access
- Lifetime — re-download anytime from your account
- License
- Personal use — print or use digitally as often as you like
- Support
- Support chat + email — real humans, real answers
File types included
Excel (.xlsx)
Microsoft Excel 2016+
Google Sheets
Free with Google account
Software compatibility
✓ No special software required for PDF files. Excel files require Microsoft Excel 2016 or later, or Google Sheets (free).
Reviews
License
Personal & Commercial License
Use in client work, your own products, and personal projects.
Instant download · yours forever · no subscription
Secure checkout via Stripe · instant access
Buying a few? Our bundles pack many products into one download at a big discount — buy once, no subscription.
Shop bundles & saveWhat you're getting
Secure payment
Stripe encrypted
Instant delivery
Download now
Real support
We make it right
Lifetime access
Re-download anytime
The transformation
Money disappears every month and you're not sure where it went.
You know exactly where every dollar goes and have a plan for next month by the 1st.
Who uses this
Setting up your first real budget
Paying off debt while building savings
Tracking where every dollar actually goes
Building an emergency fund faster
Planning for big irregular expenses (car, holidays, medical)
What's inside — sheet by sheet
Click each tab to explore what every sheet does.
Monthly Budget
18 pre-built categories. Every dollar assigned. Auto surplus/deficit calculation.
Everything included
6-sheet Excel workbook (.xlsx) + Google Sheets link
18 pre-built budget categories (fully editable)
Zero-based formula: every dollar assigned to a job
Automatic surplus/deficit and savings rate calculation
Sinking fund planner for 6 irregular expense categories
Debt payoff calculator: snowball + avalanche comparison
Full-year overview to identify high-spend months
Paycheck-based budgeting for bi-weekly pay
Setup guide (PDF) with category recommendations
