zero-based · 60/25/15
Small business owner
Household money and business money never share an envelope.
Best for: A shop or freelance business whose cash and household cash are one account today. Sample income: 20,000 MAD / month.
All templates
- Needs · 60%
- 12,000 MAD
- Wants · 25%
- 5,000 MAD
- Savings · 15%
- 3,000 MAD
Needs
8 categories- Rent4,080 MAD
- Groceries2,400 MAD
- Utilities1,200 MAD
- Transport1,200 MAD
- Health960 MAD
- Insurance960 MAD
- Internet & phone600 MAD
- Education600 MAD
Wants
5 categories- Dining out1,400 MAD
- Shopping1,200 MAD
- Entertainment900 MAD
- Personal800 MAD
- Travel700 MAD
Savings
3 categories- Business reserve1,500 MAD
- Emergency fund1,050 MAD
- Investments450 MAD
Total20,000 MAD / month
Saving goals the plan sets up
- Three months of business costs45,000 MAD
Goals start at 0 — the target is the plan, not a balance you already hold.
Illustrative plan with a sample income. Amounts scale to the income you type; nothing is stored or sent.