Zooey Deschanel -- I've Got $3 Million ... and Zero Balance on My Credit Cards!

Zooey Deschanel is worth millions, spends relatively modestly, and has a zero balance on her credit cards ... this according to documents her lawyer just filed in her divorce case.

TMZ broke the story ... Zooey just filed for divorce from her hubby of 2 years -- Ben Gibbard, the lead singer of Death Cab for Cutie.

For some reason, her lawyer attached Zooey's income and expense declaration.

Here's the lowdown:

-- Zooey -- who stars in "New Girl" -- makes an average of $95,000 a month
-- Her expenses average $22,550 a month
-- She has 3 credit cards ... AmEx, Visa and Mastercard, all of which have a 0 balance.
-- She has $1,578,000 in the bank
-- Zooey has an additional $1,645,000 in stocks, bonds, etc.
-- Zooey has real and personal property valued at $693,300

As for what she spends a month, Zooey says she drops $1,000 on groceries and household supplies, $500 eating out (really?), $800 on utilities, $300 for her various phones and email accounts, $600 in laundry and cleaning, $2,000 for clothes.