Track every dollar, pay off debt faster and watch your savings grow, all in one elegant spreadsheet that **doesn't break and doesn't double-count**. Most budget templates look nice until you pay your credit card bill, return something or move money to savings. Then your spending gets counted twice and the totals stop making sense. This planner was built around those situations from the start: ✔ **Credit cards done right.** Purchases count once, when you buy. Paying the card bill is a transfer, so it's never counted as spending a second time. ✔ **Refunds and reimbursements** reduce the category they belong to. They don't show up as fake "income". ✔ **Transfers and ATM withdrawals** between your own accounts are never counted as income or spending. ✔ **Irregular income?** You can budget from last month's income, which works well for freelancers, commission and gig work. ✔ **Other currencies:** type EUR, GBP, JPY… and each amount is converted with your own rate. ✔ **Mistake-proof:** every transaction row is checked. Bad dates, text in amount cells, unknown or renamed categories are flagged in plain English, never with #VALUE! errors. ✔ **Works everywhere:** Excel 2016+ (Windows & Mac), free Google Sheets and Apple Numbers. No macros and no Microsoft 365-only formulas. ✔ **Not intimidating:** a Simple version with 6 tabs is included for beginners, plus a 16-page illustrated guide. ━━━━━━━━━━━━━━━━━━━━ WHAT'S INSIDE THE FULL PLANNER (11 tabs) ━━━━━━━━━━━━━━━━━━━━ ① START HERE: your name, currency symbol, budget-year start month, savings-rate goal and up to 8 income sources (weekly, every 2 weeks, twice a month, monthly… or irregular). Includes a quick-start guide and the "how money moves" rules. ② DASHBOARD: pick any month to see income, spent, saved, left to budget, total account balances and debt left. It has 4 charts (income vs expenses by month, Needs/Wants/Debt/Savings donut, spending by category, savings progress), plus upcoming bills and live account balances. ③ TRANSACTIONS: 2,000 rows with money out / money in, category dropdown, account, transfer to/from, currency and notes. Type, month and a ✓ check fill in automatically. ④ MONTHLY BUDGET: planned vs actual for every category, with progress bars and status (On track · On budget · Almost at limit · Over by $…). Also shows cash flow, savings rate, a 50/30/20 check and your top 5 spending categories. ⑤ BUDGET PLAN: 32 ready-made categories (room for 50), grouped into Needs / Wants / Debt, plus savings and sinking funds. Set one monthly amount, or a different amount for any month (insurance in March, holidays in December). The "left to budget" line shows when your budget is zero-based. ⑥ ANNUAL OVERVIEW: the whole year by month and category, with totals, monthly averages, remaining vs plan, a spending heat-map and a chart. ⑦ BILLS & SUBSCRIPTIONS: up to 40 bills with automatic next due dates and days until, the true monthly and yearly cost of every subscription, and a month-view calendar with today highlighted. ⑧ SAVINGS GOALS: up to 12 goals linked to your savings categories. Contributions are counted automatically, and each goal shows progress bars, the amount needed per month and a chart. ⑨ SINKING FUNDS: up to 15 funds for car repairs, gifts, annual bills and similar costs. Each shows set aside, spent, available and the amount per month you need to be ready on time. ⑩ DEBT PAYOFF: up to 10 debts. Choose snowball, avalanche or your own order to see your debt-free date, total interest, the payoff month for each debt and how much interest you save compared with the other strategy. Includes a month-by-month plan and chart. ⑪ LISTS: your accounts with automatic live balances, currency rates, and every dropdown. Rename, translate or add items. ━━━━━━━━━━━━━━━━━━━━ WHAT YOU'LL DOWNLOAD ━━━━━━━━━━━━━━━━━━━━ • Budget-Planner-Full.xlsx (11 tabs) • Budget-Planner-Simple.xlsx (6 tabs: Start Here, Transactions, Monthly Budget, Budget Plan, Annual Overview, Lists) • Budget-Planner-User-Guide.pdf (16 pages with screenshots, "how money moves" rules and FAQ) • Google-Sheets-and-Numbers-Instructions.pdf Your files start empty and ready for your numbers. The product images use a fictional sample household. ━━━━━━━━━━━━━━━━━━━━ DESIGNED TO LAST ━━━━━━━━━━━━━━━━━━━━ Before release, each version was recalculated with 2,000 messy test transactions (text in amount cells, invalid dates, dates outside the budget year, unknown currencies, renamed categories) plus 40 bills, 10 debts and 12 goals. The result was 0 formula errors. ━━━━━━━━━━━━━━━━━━━━ PLEASE NOTE ━━━━━━━━━━━━━━━━━━━━ • This is a digital download. Nothing will be shipped. • It does not connect to your bank, so your data stays private in your own file. You can paste in your bank's CSV export. • Google Sheets and Numbers re-draw charts in their own style, and Numbers may not show some colour highlights. All calculations work the same in every app. • For personal use. Please don't resell or share the files.