Monthly Budget Tracker – Smart Financial Organizer

💰 Monthly Budget Tracker, is a digital personal finance planner designed to help users plan, track, and analyze their monthly income and expenses.
It includes two main sheets:

1. START Sheet – An introduction and guide

2. PERSONAL MONTHLY BUDGET Sheet – The actual budgeting workspace

📘 1. START Sheet

This sheet gives users quick, friendly instructions:

“Make a copy before you use it” – ensures every user can personalize their tracker.

A brief guide explains how to:

Input projected and actual income and expenses.

View automatic calculations for balance differences.

Use the spreadsheet’s built-in formulas to track finances.

Purpose: helps beginners understand how to navigate the workbook.

📊 2. PERSONAL MONTHLY BUDGET Sheet

This is the heart of the tracker — a structured budget planner with automated summaries.

🔹 Key Features

Projected vs Actual Columns: Compare planned and real income and spending.

Automatic Calculations: The sheet calculates:

Projected Monthly Income

Projected Balance

Actual Balance

Differences between them

Categories Covered: Common expense categories such as:

Rent / Utilities / Groceries

Transportation / Entertainment / Insurance

Savings / Emergency Funds / Miscellaneous

Pre-filled Sample Values: (e.g., Income 1 = 4300 SAR, Extra Income = 300 SAR)

Formula-Driven Totals: Totals auto-update as users enter their data.

🧠 Purpose and Benefits

This tracker helps users:
✅ Understand where their money goes every month.
✅ Compare planned vs actual spending easily.
✅ Control overspending by category.
✅ Save more effectively through clear visual summaries.
✅ Build financial awareness with minimal effort — no complicated setup.