This sheet comprises various other sheets like Goal sheet in which user is required to mention their budgeting goals for different duration’s.Then user has to mention their income. Then expenditure fixed and variable under two different worksheets.This table will automatically calculate the difference between your income and your total expenditure, using the figures you will enter in the sheets. If your expenditure is calculated to be higher than your income, your first step should be to look for any possible ways to reduce your expenditure.User is required to enter variable expenses not fixed as monthly amounts.  If you only know the annual cost of an expense divide the amount by 12 and spread the expense over the year.

Note : The spreadsheet uses macros.