Budgeting & Forecasting Excel Template

I need a clean, well-structured Excel workbook that is set up expressly for financial budgeting and forecasting. The emphasis is on the layout, sheet flow, headings, and cell organization rather than on formulas—I will add those myself later.

The template should:
• Separate income and expense sections clearly, with monthly and annual views.
• Include a summary sheet ready to pull figures from the detail tabs (leave the formula cells empty or marked “to be added”).
• Use consistent styles, number formats, and color coding so figures are easy to read at a glance.
• Contain placeholders for common budgeting elements such as opening balance, inflows, outflows, and projected closing balance.
• Be delivered as an .xlsx file along with a brief note explaining sheet purposes and any named ranges you set up.

No predefined functions are required—please focus entirely on creating a logical, intuitive structure that I can build on.