One row per recurring payment with its amount and frequency; the sheet turns them into a monthly and yearly cost, counts the days to each next due date, and flags what's overdue and due this week. Pro lays every bill across the next twelve months so the expensive months show, and totals by category. No macros.
Sixty rows: category, amount, frequency, next due, account, auto-pay ✓. Per month and per year from a frequency factor, days to due, status (Overdue red, This week yellow). Totals, due in the next 7 days, not on auto-pay, overdue count.
Each bill in each of the next twelve months — monthly always, yearly in its month, quarterly every third month, weekly as 52/12. Monthly totals with bars and 'vs average'.
Bills, per month, per year and share per category; not on auto-pay; subscriptions; the biggest category.
As-of date, first month of the Year view, frequencies with factors, categories, accounts.
Nine formulas explained: the frequency factor lookup, the status bands, the month logic behind the Year sheet.
Every workbook is recalculated in LibreOffice and by a second, independent formula engine on the sample data; the totals are compared with numbers worked out outside any spreadsheet, and every formula cell is scanned for errors. We don't run Excel itself on the build machine, so this says built for, not tested in — open the live preview to see the numbers the formulas produce.
What that means app by app: in Google Sheets, in Apple Numbers, in LibreOffice Calc.
The home page and its CSS — enough to publish a one-pager. A credit link stays in the footer.
Every page, the Pro-only pages, the source files, no attribution, and 12 months of updates and email support.
Use it for unlimited personal and commercial purposes, including client work.
Do not resell the spreadsheet itself, alone or in a bundle.
Rent is monthly, insurance is yearly, water is quarterly, the train pass is weekly. To know what your fixed costs are, they have to be on one scale. Each bill’s amount is multiplied by a factor for its frequency — 1, 1/12, 1/3, 52/12 — looked up on Setup, and “Per month” and “Per year” fall out. Days to the next due date and a status against the as-of date tell you what’s overdue and what’s due this week; bills without a ✓ in Auto are tinted, because those are the ones you have to remember.
The monthly equivalent hides something: the yearly insurance bill doesn’t cost a twelfth in March, it costs all of it. The Year sheet lays each bill across the next twelve months as it actually falls — monthly always, yearly in its month, quarterly every third month from its next due date — and totals each month with a bar and a “vs average” line, so the renewal months stand out before they arrive. Categories totals by category with shares, and calls out subscriptions and what isn’t on auto-pay.
The build recalculates both workbooks in LibreOffice and in a second, independent engine and compares forty-three values — monthly equivalents for each frequency, days and status across the bands, due-in-7-days, specific Year cells for the yearly and quarterly bills and the monthly totals, the category sums — against numbers computed outside Excel.
First release
Each savings goal gets a target, what you've saved and what you put in monthly; the sheet works out what's left, months to go, the projected date and whether it beats the date you wanted — plus the contribution that would hit every date. Pro adds net worth by account and type, and twelve months of snapshots with the change month by month. No macros.
A monthly budget for Excel and Google Sheets with every formula visible: planned vs actual by category, red/green differences, savings rate. Pro adds a transactions log that fills the budget automatically, a twelve-month view with a chart, and a sheet explaining each formula.
An expense log for Excel and Google Sheets that totals itself: this month by category with data bars, twelve months back, and spending against the limits you set — every formula visible. Pro adds the Monthly and Limits sheets, a Setup sheet with limits, and a formulas walkthrough.