Take control of your money in minutes. The Monthly Budget Planner is a ready-to-use Excel spreadsheet (Google Sheets compatible) that builds your personal budget automatically. Four linked sheets: Dashboard, Income & Expenses, Monthly Plan, and 12-Month Overview. Auto-calculating formulas: just type your numbers - totals, savings rate, and category breakdowns update instantly. Pre-filled category lists (housing, food, transport, subscriptions, debt, savings goals) - edit or add your own. Visual progress bars and a clean monthly vs actual comparison make overspending obvious at a glance. Works in Microsoft Excel 2016+ and Google Sheets (File - Import). No macros, no plugins. WHO IT IS FOR: anyone starting to budget, freelancers with irregular income, and households that want one shared spreadsheet instead of ten apps. HOW TO USE: 1. Download the file after purchase. 2. Enter your income and expenses for the current month. 3. Follow the Dashboard recommendations to adjust. 4. Watch the 12-Month Overview build your savings trend. Instant delivery. Lifetime updates included. If the template does not work for you, write to store support - we reply within 24 hours.