Zero-Based Budget Spreadsheet: Terracotta Edition, Google Sheets, 9 Charts (Digital Download)

Give every dollar a job — with a complete zero-based budgeting system, not just a single tab. 🌾

The EasyVault Zero-Based Budget Spreadsheet turns the "every dollar has a job" method into a beautiful, connected Google Sheets system. Assign your income across 36 categories until your Available to Budget hits exactly $0 — then log spending and watch your envelope balances update automatically. Includes a live dashboard, transaction log, envelope balances, account tracking, and 9 charts, all in a warm, modern terracotta palette.

✦ WHY ZERO-BASED BUDGETING WORKS:
Income − Expenses = Zero. Every dollar you earn gets assigned a purpose — rent, groceries, savings, debt, fun — before you spend it. Unassigned money tends to disappear into impulse buys; giving each dollar a name forces intentional, confident decisions. It's the method behind YNAB and Dave Ramsey's EveryDollar — now in a spreadsheet you own.

✦ WHY THIS BEATS A ONE-TAB TRACKER:
Most zero-based templates are a single tab. EasyVault gives you a connected system: assign dollars on the Budget tab, log purchases on Transactions, and your Category Balances, Dashboard, and charts all update automatically. Overspent somewhere? Reassign from another category — your budget stays balanced.

✦ WHAT'S INSIDE (9 TABS):

🌾 Welcome — The zero-based method made simple, with a quick-start guide
💵 Income — Log every dollar you expect this month
📋 Budget — Assign every dollar across 36 categories until Available = $0 ⭐
📊 Dashboard — Your Available-to-Budget counter, savings rate & charts
🧾 Transactions — 150-row log that auto-updates your categories
✉️ Category Balances — Envelope view: assigned − spent = what's left
🏦 Accounts — Track balances across checking, savings, cash & more
📈 Annual Trends — Income, spending & savings across the whole year
📒 Guide & Notes — Zero-based budgeting explained, plus your notes

✦ KEY FEATURES:
• Live "Available to Budget" counter — assign until it hits $0
• 36 categories organized into 9 intuitive groups
• Envelope-style balances that update as you spend
• 150-row transaction log with account tracking
• Multiple account balances in one place
• Savings rate + still-to-spend at a glance
• Annual trends with a "leftover" chart (drive it to zero!)
• 9 charts total — pie, doughnut, bar & line
• Warm, modern terracotta design
• Works on desktop, tablet & mobile

✦ CHARTS & VISUALS (9 total):
• Pie — Where your dollars are assigned (by group)
• Pie — Spending by group
• Bar — Assigned vs spent by group
• Doughnut — Assigned vs unassigned
• Bar — Assigned vs spent by category
• Pie — Balance by account
• Bar — Account balances
• Line — Income, spending & savings over the year
• Bar — Leftover (unbudgeted) by month

✦ BONUS INCLUDED:
A prefilled SAMPLE spreadsheet shows the whole system working — income assigned to exactly $0, a month of transactions, envelope balances, accounts & annual trends — so you can see how it flows before adding your own numbers.

✦ HOW TO USE:
1. Purchase & download the PDF with your Google Sheets link
2. Click the link and go to File → Make a Copy
3. Enter your income on the Income tab
4. On the Budget tab, assign every dollar until Available to Budget = $0
5. Log spending on Transactions — your envelopes update automatically!

✦ WHAT YOU GET:
• 1x Zero-Based Budget Spreadsheet (Google Sheets — blank)
• 1x BONUS Sample Spreadsheet (Google Sheets — prefilled)
• Step-by-step instructions included

✦ REQUIREMENTS:
• Free Google account (works with Google Sheets)
• Also opens in Excel
• Works with any currency
• Works on any device with internet access

✦ PERFECT FOR:
Fans of YNAB & EveryDollar who want to skip the subscription • Anyone who wants to know where every dollar goes • Envelope budgeters • Couples & families • Debt-payoff journeys • People who love a warm, cozy aesthetic

✦ WHY EASYVAULT?
Where others give you one tab, we give you a complete, connected zero-based system with 9 charts and an envelope view — beautiful, automatic, and built to make "every dollar has a job" effortless — for just $8.99.

⚖️ DISCLAIMER:
This product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.

Please note: This is a DIGITAL product. No physical item will be shipped. Listing images show example data for demonstration; the template is blank and ready for your input (a prefilled sample is included too).

© EasyVault. All rights reserved. Personal use only.
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