Most “budget templates” are a grid with nice fonts. This one keeps a year of household money in one file. • Budget with 12 months of Planned vs Actual • Transaction register that feeds those actuals • Debt snowball (minimums + extra to the smallest balance) • Sinking funds with months-to-target • Net Worth snapshot • Dashboard you open on payday Excel and Google Sheets. Yellow / blue cells are inputs. Black cells calculate. Personal use. Not tax or investment advice.