A ready-to-use monthly budget spreadsheet that does the math for you — take control of your money in 5 minutes a day. If your budget currently lives in your head, scattered receipts and a bank app you avoid opening, this is the one file that replaces all of it.

WHAT'S INSIDE:
- Dashboard with income, expenses and net result (auto-sum formulas) - Transaction log with date, category, income/expense and running balance - Category sheet: set a monthly limit for each of 10 categories and see Spent vs Remaining automatically (SUMIF formulas) - Works in Microsoft Excel AND Google Sheets (just upload the file) - No macros, no install, no subscription — open and start today

WHO IT'S FOR:
- Salary earners who want to know where every dollar goes
- Freelancers with irregular income who need a clear monthly picture - Couples combining budgets without arguments over spreadsheets - Students and anyone paying off debt who needs category discipline

FORMAT & DELIVERY:
- Instant download: .xlsx file — works in Microsoft Excel 2016+ AND Google Sheets (just upload the file) - Set up in 3 steps: download → open in Excel or drag into Google Sheets → enter income and expenses, totals update instantly - Personal use. Covered by a 30-day money-back guarantee — message me if anything doesn't work and I'll fix it or help you set it up.