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.

17 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

You get two files: a BLANK workbook and an EXAMPLE copy with 10 months of sample data, 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.