You make decent money. So why does your bank account look so sad a week before payday? You've probably tried the automated apps — they just result in a phone full of notifications you ignore. You don't need another subscription. You need to see the cold, hard numbers without the noise.

This spreadsheet cuts the chaos. It isn't about restricting every latte — it's about total awareness. It tells you if you're building wealth or just spinning your wheels.

✅ 50/30/20 Auto-Check: Type in your income, get your ideal Needs/Wants/Savings split instantly.
📊 Expense Killer: Ranks your top 5 spending leaks. Shows how much you'd save trimming them 20%.
✅ Trend Tracking: Compare your last 3 months side-by-side.
✅ Color Feedback: Green = good. Red = fix it. No guessing.
✅ Works in Google Sheets (free) AND Microsoft Excel — no extra software needed.

Stop guessing and start controlling your cash flow today.

Format: Google Sheets + Excel | Delivery: Instant download