Where the money goes and where it should: a budget you plan against, a log you fill as you spend, the savings goals with their dates, and the bills with theirs. All add themselves up, colour what's over or late, and show the year — with every formula visible.
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.
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.
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.
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.
Four sheets for four questions: Tally — what did I plan and what happened; Outlay — what did I spend, by category and month; Nest — when will I reach each goal; Dues — what do my fixed costs come to and when is each one due.
A budget starts from a plan: you decide what each category gets, then see what actually happened. An expense tracker starts from the log: you record spending as it happens, and the totals, limits and monthly view appear. Tally is the first kind, Outlay the second — and in Pro, Tally has a transactions log too, so the line between them is thin.
Both workbooks are formulas, named ranges and conditional formatting. Nothing runs on open, nothing needs enabling, both files open in Google Sheets and Numbers. The Pro workbooks include a sheet that explains every calculation — what SUMIFS is filtering on, why there’s an IF before a division, where the ranges stop.
The core sheet, working, with a credit line kept at the bottom. Pro adds the remaining sheets — logs, monthly and yearly views, limits, Setup — and a formulas walkthrough.
Nest for goals and net worth: months to each goal, projected dates, on-track flags, and twelve months of net worth snapshots in Pro. Dues for recurring payments: every bill as a monthly and yearly number, days to due, and the twelve months ahead bill by bill in Pro.
Yes. SUMIFS, EOMONTH, named ranges, data validation and conditional formatting are all supported; upload the file or open it from Drive.
Rename them once on the Setup sheet (Pro). The dropdown, the budget rows and the year view follow, because they read named ranges rather than typed words.
The core sheet — the budget with hand-typed actuals, or the expense log with its monthly panel — with a credit line kept. Pro adds the other sheets and the formulas walkthrough.