Community template
Simple, minimal 70/10/20 budget categories
Janos from Hungary splits spending into Needs (70%), Wants (10%) and Savings (20%), with the target share written into each group name. Savings covers goals like vacation, major purchases and an emergency fund.
- 4 groups
- 3 categories
- 21 subcategories
- Simple (under 40)
- Solo / single
All 28 categories in Simple, minimal budget
Needs (70%)
- Rent
- Utilities
- Cell Phone
- Groceries
- Transportation
- Insurance
- Healthcare
- Subscriptions
- Miscellaneous
Wants (10%)
- Dining Out
- Shopping
- Entertainment
- Personal Care
- Household
Savings (20%)
- Gifts
- Vacation
- Major Purchases
- Car Expenses
- Emergency Fund
- Investment
Transfers Excluded from budget Excluded from totals
- Payment, Transfer Excluded from budget Excluded from totals
Income categories
- Paycheck Income
- Other Income Income
Transfers and excluded categories
- Bank Fees Excluded from budget
How to use this template in Lunch Money
Click Copy entire setup at the top of this page, then paste it into Lunch Money as a preset. See the import steps.
Want only part of it? Mix and match categories in the library to build your own template.
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