The Annual and Monthly Budget Spreadsheets in Google Sheets are amazing spreadsheets. They do all the math for you. In both of these, you can customize the categories. Plus, you can use these as zero-Zero-based budgeting and still not have to track every penny. Hey - how is that possible when you give every dollar a name? You can choose to make it a fixed monthly bill. When you give yourself the money, keep it and track that amount as actual! You make the rules. The Monthly Spreadsheets includes charts to compare amount to budget and tracks how much more you have left to budget.