The ultimate budgeting sheet

You put your bills, income and savings goals onto one page. That is the setup finished. All twelve months are already built and already know what is due in them, so each month you are only filling in what actually happened.

It handles weekly, fortnightly, four weekly and yearly payments properly, counting the real payment dates instead of smoothing them into an average. Savings goals tell you the month you will reach them. Debts include interest, so the payoff date is the honest one rather than the hopeful one.

Works in Excel and in Google Sheets.