Monthly & Annual Budget Spreadsheet

I’m looking for a clean, easy-to-maintain spreadsheet that lets me watch my money month by month and also see the big annual picture at a glance. The file should have two main tabs—one for monthly tracking and another that rolls those numbers up into an annual summary automatically.

Inside the Monthly tab I need separate tables for Income and Expenses, Savings and Investments, and Bills and Subscriptions. Formulae should calculate running monthly totals, while the Annual tab should pull those figures together for yearly totals and highlight how each month stacks up against the last so I can spot trends quickly.

A small visual dashboard is essential: a couple of clear charts or graphs that instantly show income vs. spend, savings growth, and any spikes in recurring bills. Feel free to use Excel or Google Sheets functions—SUMIFS, structured references, pivot charts, whatever delivers reliable results without over-complicating future edits.

Deliverables:
• One spreadsheet (Excel or Google Sheets) with
– “Monthly” tab for data entry and automated totals
– “Annual” tab that aggregates monthly data and compares periods
• Built-in charts/graphs linked to the data tables
• All formulas unlocked and logically laid out so I can trace or modify them later

If anything about the structure or formulas isn’t clear, let me know—otherwise I’m ready to review an initial draft and give quick feedback.