Monthly Budget — the main sheet with:
Income section (salary, freelance, rental, dividends, etc.)
Fixed & Variable Expenses, Savings & Investments
Auto-calculated Summary with Net Remaining and Savings Rate
Blue cells = your inputs, black = auto-calculated
Annual Overview — enter monthly totals to track spending across the full year
Savings Goals Tracker — set targets, log progress, and see % complete for up to 8 goals
Just fill in the blue cells — everything else calculates automatically.