Most budget templates make you type the same figure into three different tabs, then quietly stop adding up when one of them drifts. This one asks once.
Everything you spend goes on the Transactions sheet. That’s the only place. The other fourteen sheets read from it, which is why the numbers in this workbook never disagree with each other.
What you get
Dashboard — ten headline figures, four live charts, and a plain-English verdict on how the year is actually going
Annual Plan — all 40 categories across 12 months in one grid, pre-filled from your targets
Monthly Budget — plan against actual with traffic lights, so you can see the drift mid-month while you can still do something about it
Transactions — 1,000 rows, dropdown-driven, with a red flag if you mistype a category
Cash Flow — in, out, net, and a running balance, month by month
Bills — due dates and an overdue warning that surfaces on the dashboard
Savings — emergency fund, 12 goals with deadlines, and 14 sinking funds
Debt — avalanche vs snowball, calculated on your balances and rates, not a generic example
Net Worth — assets minus liabilities, tracked monthly and charted
Review — a monthly check-in and a one-page look at the whole year
Print Pack — the full picture sized to a single sheet of paper
Built to survive contact with a real person
Rename any category and the whole workbook follows it. Enter a debt as a negative and it lands correctly in net worth. Log a transfer between your own accounts and it stays out of your spending totals. Four colour themes. Every cell you need to touch is cream; everything else calculates itself.
Works in Microsoft Excel (2016 or newer) and Google Sheets. Also opens in Apple Numbers and LibreOffice. No add-ins, no macros, nothing to install, no bank connection. Your figures stay on your machine.
Includes a 14-page illustrated user guide covering setup, daily use, customisation and troubleshooting.
Instant digital download. Because of the nature of digital files, this item is non-refundable.
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