See where your money goes each month and how much you are saving, without an app or subscription. Log each transaction once, and the budget-vs-actual view, monthly reports and subscription list update for you.

• Transaction log with drop-downs: 1,000 rows, category and type (Income, Expense or Transfer); transfers are not counted as income or spending

• Budget vs Actual for the month you pick, with income, expenses and net

• Monthly reports with savings rate and a savings-rate chart for the whole year

• Recurring & Subscriptions: up to 100 entries with a monthly total and a "renews soon" flag

• English/中文 labels, with made-up sample data marked [EXAMPLE] and step-by-step clearing instructions on Start Here

A simple monthly budget you will actually keep using. Comes with sample data for August–September 2026, marked [EXAMPLE].

What you get (6 sheets: Start Here, Transactions, Budget, Reports, Recurring, Categories)

• Transactions sheet with 1,000 rows, category and type drop-downs. Type is Income, Expense or Transfer; transfers are not counted as income or spending.

• Categories: up to 30 categories, with the monthly budget for each one set here.

• Budget vs Actual for the year and month you pick on Start Here, with income, expenses and net for that month, plus a check line confirming the category total matches the month's expenses.

• Reports: income, expenses, net and savings rate for each month of the year, with a savings-rate chart (months with no income are left blank).

• Recurring & Subscriptions: up to 100 entries (Monthly or Yearly), with active count, monthly total and a "renews soon" flag based on the remind-days column.

Files: Budget_Tracker.xlsx and Budget_Tracker.ods. No macros, no new functions.

Tested in LibreOffice Calc. Google Sheets not tested. Excel not tested.

Details and limits

• Start Here tells you exactly which cells to clear (Transactions!A4:F22 and Recurring!A7:K12).

• Built-in checks: transactions with problems (unknown or blank type, a category not on the Categories list, negative/text amounts or amounts above 1e9, invalid dates) are marked CHECK and left out of the totals, and a check line flags any mismatch between category totals and total spending. Invalid budgets and invalid subscription rows (cycle other than Monthly/Yearly, Active other than Yes/No, missing/invalid cost, bad dates) are marked CHECK too. Warnings appear on Start Here (status summary), Transactions, Budget, Reports, Categories and Recurring.

• Only rows 4–1003 (transactions) and the subscription rows up to row 106 are counted; when the last row is used you get a "Table full" warning.

Sample data in the previews is made up.