Personal budget tracker for Excel and Google Sheets: one workbook, four sheets. Log each money event in Transactions with date, category dropdown, income or expense and method, pre-wired down to 100 rows. The Dashboard computes itself with SUMIFS: monthly income, expenses, net and savings rate for all of 2026, plus year-to-date totals. The Categories sheet holds a monthly budget per category and shows budget versus actual with variance and an under or over flag for any month you pick. Three savings goals track target, amount saved, percent complete and remaining, each with a progress bar built from a plain formula that renders in Excel, Google Sheets and LibreOffice. No macros or add-ons: every cell is a standard formula, dropdowns included. Sixteen sample rows show how a month looks; overwrite and start logging. Setup takes five minutes; every formula explained in plain language.