Zero-Cost Budget Templates in Google Sheets—3-Click Copy (Free)
Methodology I built 5 zero-cost templates for ₹ 25k, ₹ 50k, and ₹1 lakh salaries using the 65-20-15 CFA rule.Pre-built formulas: auto-split Basic, HRA, PF, food coupons → tax-optimized.Shareable link: 3-click copy → no install, no e-mail.Green cell = balanced budget → surplus ≥ 20%.The live sheet includes PG budget, family budget, and couple budget—all … Read more