A budget workbook made for households that have given up on budgets before. You log what you spend, and the workbook does the sums and points out where the month is going wrong.

19 tabs:

• Start Here: eight short steps and a Google Sheets import tip

• Setup: up to 20 categories with monthly plans and 6 income sources. Category names feed every dropdown and total

• Jan–Dec: a 150-row spending log per month with a category dropdown, and plan vs actual per category. Usage bars turn brick-red when you go over. Income, spent, left over and savings rate are calculated for you

• Dashboard: income vs spending bar chart, a "where the year went" pie chart, category totals and monthly averages

• Sinking Funds: yearly costs turned into a monthly amount to set aside, with progress bars

• Debt Payoff: switch between snowball and avalanche. It shows which debt to pay first, plus months and interest at minimum payments

• Subscriptions: yearly cost of every recurring charge, with a keep/pause/cancel choice and the money saved

• Goals: 8 savings goals with the monthly amount needed to hit each target date

Your ZIP contains two workbooks (BLANK and an EXAMPLE with 10 months of sample data), plus READ-ME-FIRST.txt, so you can see how it works before typing your own numbers. No macros or add-ons. Works in Excel 2016+/365, Google Sheets and LibreOffice. Currency is set to $ and can be changed in two clicks.

Debt payoff uses a fixed-rate monthly-compounding estimate with a smaller final payment where needed. It excludes fees and rate changes; use lender figures for actual repayment decisions.

Licence: use this workbook for your household or for clients you coach or advise, including paid sessions. Do not resell or redistribute the file itself as a template product.