OwnDesk Budget Sheets — read-only demo

	A	B
1
2		OwnDesk Budget Sheets
3		Expense tracker and budget planner for Google Sheets and Excel · Version 1.0 · An OwnDesk product
4
5		WHAT THIS IS
6		An expense tracker, income tracker, annual budget planner and small-business expense log in one spreadsheet. Type a transaction once and the budget, the dashboard, the 50/30/20 check and the business report all move. No macros, no add-ons, no subscription.
7
8		OPEN IT IN GOOGLE SHEETS
9		1. Upload the file to Google Drive. 2. Right-click it, choose Open with > Google Sheets. 3. File > Save as Google Sheets. From then on it is a live document: open it from your phone in the Sheets app, share it with a partner or a bookkeeper, and every change is saved and versioned automatically.
10		It works the same in Excel, LibreOffice and Numbers.
11
12		YOUR FIRST TEN MINUTES
13		1. Settings: your name, and the year you are tracking.
14		2. Accounts: add every account you own with today's balance as the Opening balance.
15		3. Categories: rename, add or delete lines. Keep each line in the right Group.
16		4. Annual Budget: type what you expect in January, then drag the cell across to fill the year. Change the months that differ.
17		5. Transactions: log what happens. That is the only thing you type every week.
18
19		THE RULE THAT MATTERS
20		Yellow cells are yours to type in. Black text on white is calculated. Never delete whole rows to clear data: the formulas live on those rows. Select the cells you typed and press Delete. The BLANK file exists so you never have to clear anything.
21
22		PASTING YOUR BANK'S CSV
23		Copy the date, description and amount columns from your bank export into columns A, B and D of Transactions, then choose a category on each row. Amounts must be positive: if your bank exports spending as negative numbers, multiply the column by -1 first. Rows that cannot be counted say why in the Check column.
24
25		KEEPING TRACK OF BUSINESS EXPENSES
26		Business categories are already set up on the Business ledger and marked tax deductible. Log each payment against one of them, say whether you kept the receipt, and the Business tab shows every category by quarter, your profit, and the receipts still missing. Use Show on the Dashboard to look at Personal, Business or both. This is a bookkeeping aid, not tax advice.
27
28		WHAT EACH TAB DOES
29		Transactions
30		Amount is always a positive number. The category decides whether it is income, spending, saving or a transfer.
31		Account is where the money moved from. Fill To account only for a transfer, or for a saving that lands in another account.
32		Goal ties a saving to one of your Goals. Receipt kept? matters for business categories: deductible spending at or over the receipt threshold in Settings is flagged until you answer Yes.
33		The Check column tells you when a row cannot be counted: a missing date, category or amount, or a category that is not on the Categories tab.
34
35		Annual Budget
36		The 12-month plan. Yellow cells are what you expect to earn, spend or save in each category. Category names come from the Categories tab and cannot be typed over here.
37		Type January, then select the cell and drag its corner handle across. Change only the months that differ: the insurance in March, the presents in December.
38		Plan carries over year to year: change the year in Settings and the same plan is measured against the new year's transactions.
39
40		Actual
41		The same grid as Annual Budget, filled in by your Transactions. Nothing to type here.
42		Avg / month divides by the months of the year that have started.
43
44		Difference
45		Income and savings: actual minus plan, so more is good. Spending, debt and business costs: plan minus actual, so under budget is good. Red means the wrong way.
46		Months that have not started yet stay empty, so the future never looks like a saving.
47
48		50-30-20
49		Your personal money measured against the Needs / Wants / Savings split in Settings. Each category is sorted into a bucket on the Categories tab.
50		The split is measured against the income you actually recorded that month, or the plan when nothing has landed yet, or the figure you pinned in Settings.
51		Needs and Wants are judged as a ceiling, Savings as a floor. Savings includes debt payments, as in the original rule.
52
53		Summary
54		The whole year on one page: income, each kind of spending, saving and what is left, month by month. Plan, Actual and Difference are three blocks, one under the other.
55		Year is the full twelve months; To date only counts the months that have started, which is the fair comparison mid-year.
56		Left over = income - spending - saved. Unlike the Dashboard this page always adds Personal and Business together.
57
58		Business
59		Every business expense category, by quarter, ready to hand to an accountant. It lists the categories whose Group is Business Expenses on the Categories tab.
60		Profit, taxable profit and the tax to set aside use the Business ledger for the year in Settings. The tax rate is a planning estimate you set in Settings, not tax advice.
61		Log every business payment on Transactions with a business category and answer Receipt kept? so nothing is missing in April.
62
63		Bills
64		One row per bill or subscription. Frequency and First due month decide which of the twelve months it falls in.
65		Pick the tick from the drop-down in the month you pay. A month that is due, has started and has no tick turns amber.
66		Cost per year is the number most people have never added up. Nothing here posts to Transactions; log the payment there as usual.
67
68		Goals
69		Give each goal a target, a date and what you already have. Then pick the goal in the Goal column of Transactions whenever you put money towards it.
70		Saving per month is your average over the last 90 days. Projected finish is when that pace reaches the target; Behind means the pace is lower than the amount needed each month.
71
72		Accounts
73		Enter today's balance as the Opening balance, then let Transactions do the rest. Balance = opening + income - spending - transfers out + money moved in.
74		Property, Vehicle and Investment accounts count towards net worth. Enter a card or overdraft as a negative opening balance, or list it on Debts instead, but not both.
75
76		Debts
77		Update the balance owed once a month. Type the interest rate even when it is 0%.
78		Snowball order clears the smallest balance first for quick wins. Avalanche order clears the highest rate first and costs least in interest. Pay every minimum, then put anything extra on number 1.
79		Months at the minimum and Interest at the minimum show what happens if you only ever pay the minimum.
80
81		Categories
82		This is the single list every tab reads. Row 12 here is row 12 on Annual Budget, Actual and Difference, so never sort or delete rows: change the name in place, or type over a spare line at the bottom.
83		Group decides how a line behaves. Income and Transfers are not spending; Savings & Investments count as saved, not spent; Business Expenses feed the Business tab.
84		Bucket puts a personal category into Needs, Wants or Savings for the 50-30-20 check. Leave it empty for income, business and transfers.
85		Ledger keeps Personal and Business apart. Tax deductible marks the lines that count on the Business tab and in the receipt check.
86		Keep names free of the characters * ? ~ and do not start one with = < >.
87
88
89		OwnDesk Budget Sheets 1.0 · an OwnDesk product

	A	B	D	E
1	Dashboard
2	Everything here is calculated. Pick a ledger and a month below and the whole page follows.
3
4	Show	All	All, Personal or Business: filters every figure and chart except net worth.
5	Month	Aug	The year comes from Settings.
6
7	THIS MONTH		THE YEAR SO FAR
8	Income	$8,177.98	Income	$77,293.40
9	Spent	$6,614.23	Spent	$60,845.39
10	Saved	$875.00	Saved	$7,400.00
11	Left over	$688.75	Left over	$9,048.01
12	Savings rate	10.7%	Savings rate	9.6%
13	Savings-rate goal met?	Not yet	Average monthly spending	$6,760.60
14	Planned income	$9,068.00	Accounts total	$379,868.01
15	Planned spending	$6,909.47	Debts owed	$238,950.00
16	Spending vs plan (plus = under)	$295.24	Net worth	$140,918.01
17	Bills still unpaid	1	Business expenses	$8,920.97
18	Entries logged	63	Tax-deductible spending	$9,145.97
19	Rows that need fixing	0	Receipts still to chase	12

Show = All adds Personal and Business together. Net worth and the account total never filter.
Plan figures come from Annual Budget; spent and saved come from Transactions. Saved is money put into Savings & Investments; debt payments count as spending.

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	R	S	T	U	V
1	Transactions
2	One row per payment or deposit. Type the yellow cells; everything to the right of Notes works itself out.
3
4	Date	Payee / description	Category	Amount	Account	Payment method	To account	Goal	Receipt kept?	Notes	Group	Type	Ledger	Bucket	Month	Income	Spending	Saved	Cash effect	Tax-deductible	Receipt due	Check
5	01/01/2026	Coworking desk	Home office & rent	$150.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jan 26		$150.00		-$150.00	$150.00
6	01/01/2026	Gym	Gym & memberships	$45.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Wants	Jan 26		$45.00		-$45.00
7	01/01/2026	Mortgage	Rent / mortgage	$1,690.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jan 26		$1,690.00		-$1,690.00
8	01/01/2026	Trader Joe's	Groceries	$109.66	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jan 26		$109.66		-$109.66
9	01/02/2026	Riverside School	Childcare & school	$350.00	Everyday Checking	Bank Transfer					Fixed Expenses	Expense	Personal	Needs	Jan 26		$350.00		-$350.00
10	01/03/2026	Blue Bottle	Dining out & coffee	$40.56	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$40.56		-$40.56
11	01/03/2026	Chevron	Fuel & transport	$60.21	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jan 26		$60.21		-$60.21
12	01/03/2026	Health insurance	Health insurance	$410.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jan 26		$410.00		-$410.00
13	01/03/2026	Whole Foods	Groceries	$134.02	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jan 26		$134.02		-$134.02
14	01/04/2026	Farmers market	Everything else	$36.27	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$36.27		-$36.27
15	01/04/2026	Safeway	Groceries	$104.11	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jan 26		$104.11		-$104.11
16	01/05/2026	401(k) top-up	Retirement	$300.00	Everyday Checking	Bank Transfer	401(k)				Savings & Investments	Expense	Personal	Savings	Jan 26			$300.00	-$300.00
17	01/05/2026	Adobe Creative Cloud	Software & subscriptions	$59.99	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jan 26		$59.99		-$59.99	$59.99
18	01/05/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Jan 26	$2,450.00			$2,450.00
19	01/06/2026	Index fund	Investments	$100.00	Everyday Checking	Bank Transfer	Brokerage				Savings & Investments	Expense	Personal	Savings	Jan 26			$100.00	-$100.00
20	01/06/2026	PetSmart	Pets	$58.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$58.00		-$58.00
21	01/06/2026	Studio insurance	Business insurance	$38.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jan 26		$38.00		-$38.00	$38.00
22	01/08/2026	Netflix	Subscriptions	$15.49	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Jan 26		$15.49		-$15.49
23	01/09/2026	ATM	Transfer between accounts	$100.00	Everyday Checking	Cash	Cash Wallet				Transfers	Transfer	Personal		Jan 26
24	01/09/2026	IKEA	Household & repairs	$86.81	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jan 26		$86.81		-$86.81
25	01/09/2026	Meta Ads	Advertising & marketing	$150.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jan 26		$150.00		-$150.00	$150.00
26	01/10/2026	Car insurance	Car insurance	$708.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jan 26		$708.00		-$708.00
27	01/10/2026	Costco	Groceries	$165.87	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jan 26		$165.87		-$165.87
28	01/10/2026	Spotify	Subscriptions	$11.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Jan 26		$11.99		-$11.99
29	01/11/2026	Client visit — mileage	Travel & mileage	$65.27	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jan 26		$65.27		-$65.27	$65.27
30	01/11/2026	Figma	Software & subscriptions	$15.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jan 26		$15.00		-$15.00	$15.00
31	01/11/2026	Local Thai	Dining out & coffee	$23.83	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$23.83		-$23.83
32	01/12/2026	Internet & mobile	Internet & phone	$129.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jan 26		$129.00		-$129.00
33	01/12/2026	Part-time payroll	Salary — second	$1,150.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Jan 26	$1,150.00			$1,150.00
34	01/13/2026	Chevron	Fuel & transport	$52.63	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jan 26		$52.63		-$52.63
35	01/14/2026	AMC Theatres	Entertainment	$35.21	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$35.21		-$35.21
36	01/14/2026	Chevron	Fuel & transport	$50.36	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jan 26		$50.36		-$50.36
37	01/14/2026	Notion	Software & subscriptions	$10.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jan 26		$10.00		-$10.00	$10.00
38	01/14/2026	iCloud	Subscriptions	$2.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Jan 26		$2.99		-$2.99
39	01/15/2026	Red Cross	Charity	$25.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$25.00		-$25.00	$25.00	1
40	01/15/2026	Student loan	Student loan	$220.00	Everyday Checking	Direct Debit					Debt Payments	Expense	Personal	Savings	Jan 26		$220.00		-$220.00
41	01/16/2026	AMC Theatres	Entertainment	$51.38	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$51.38		-$51.38
42	01/16/2026	Visa payment	Credit card payment	$200.00	Everyday Checking	Bank Transfer					Debt Payments	Expense	Personal	Savings	Jan 26		$200.00		-$200.00
43	01/17/2026	Chipotle	Dining out & coffee	$60.34	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$60.34		-$60.34
44	01/17/2026	IKEA	Household & repairs	$80.58	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jan 26		$80.58		-$80.58
45	01/18/2026	Invoice — Lumen Yoga	Sales & client payments	$697.84	Studio Checking	Bank Transfer					Income	Income	Business		Jan 26	$697.84			$697.84
46	01/18/2026	Power & gas	Electricity & gas	$178.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jan 26		$178.00		-$178.00
47	01/19/2026	Business mobile	Phone & internet (business)	$55.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jan 26		$55.00		-$55.00	$55.00
48	01/19/2026	Client visit — mileage	Travel & mileage	$55.34	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jan 26		$55.34		-$55.34	$55.34
49	01/20/2026	City water	Water	$128.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jan 26		$128.00		-$128.00
50	01/20/2026	Costco	Groceries	$147.34	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jan 26		$147.34		-$147.34
51	01/20/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Jan 26	$2,450.00			$2,450.00
52	01/21/2026	Invoice — Brightside Dental	Sales & client payments	$1,092.60	Studio Checking	Bank Transfer					Income	Income	Business		Jan 26	$1,092.60			$1,092.60
53	01/21/2026	Invoice — Harbor Books	Sales & client payments	$566.26	Studio Checking	Bank Transfer					Income	Income	Business		Jan 26	$566.26			$566.26
54	01/21/2026	Starbucks	Dining out & coffee	$25.16	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$25.16		-$25.16
55	01/22/2026	Car loan	Car payment	$340.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jan 26		$340.00		-$340.00
56	01/23/2026	Uniqlo	Clothing	$118.34	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$118.34		-$118.34
57	01/24/2026	Local Thai	Dining out & coffee	$28.54	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$28.54		-$28.54
58	01/25/2026	Owner draw	Transfer between accounts	$1,500.00	Studio Checking	Bank Transfer	Everyday Checking				Transfers	Transfer	Personal		Jan 26
59	01/25/2026	Salon Verde	Personal care	$62.73	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jan 26		$62.73		-$62.73
60	01/26/2026	CVS Pharmacy	Health & pharmacy	$51.38	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jan 26		$51.38		-$51.38
61	01/26/2026	Invoice — Northwind Coffee	Sales & client payments	$877.22	Studio Checking	Bank Transfer					Income	Income	Business		Jan 26	$877.22			$877.22
62	01/26/2026	To emergency fund	Emergency fund	$250.00	Everyday Checking	Bank Transfer	Savings	Emergency fund			Savings & Investments	Expense	Personal	Savings	Jan 26			$250.00	-$250.00
63	01/27/2026	Laptop fund	Sinking funds	$75.00	Everyday Checking	Bank Transfer	Savings	New laptop			Savings & Investments	Expense	Personal	Savings	Jan 26			$75.00	-$75.00
64	01/27/2026	Portugal fund	Sinking funds	$150.00	Everyday Checking	Bank Transfer	Savings	Vacation — Portugal			Savings & Investments	Expense	Personal	Savings	Jan 26			$150.00	-$150.00
65	01/28/2026	Accountant	Professional fees	$180.00	Studio Checking	Bank Transfer			Yes		Business Expenses	Expense	Business		Jan 26		$180.00		-$180.00	$180.00
66	01/28/2026	Savings interest	Interest & dividends	$15.71	Savings	Bank Transfer					Income	Income	Personal		Jan 26	$15.71			$15.71
67	01/30/2026	Card & bank fees	Bank & card fees	$12.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jan 26		$12.00		-$12.00	$12.00
68	02/01/2026	Coworking desk	Home office & rent	$150.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Feb 26		$150.00		-$150.00	$150.00
69	02/01/2026	Gym	Gym & memberships	$45.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Wants	Feb 26		$45.00		-$45.00
70	02/01/2026	Mortgage	Rent / mortgage	$1,690.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Feb 26		$1,690.00		-$1,690.00
71	02/01/2026	Shell	Fuel & transport	$54.81	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Feb 26		$54.81		-$54.81
72	02/02/2026	Riverside School	Childcare & school	$350.00	Everyday Checking	Bank Transfer					Fixed Expenses	Expense	Personal	Needs	Feb 26		$350.00		-$350.00
73	02/03/2026	Health insurance	Health insurance	$410.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Feb 26		$410.00		-$410.00
74	02/03/2026	Invoice — Harbor Books	Sales & client payments	$391.26	Studio Checking	Bank Transfer					Income	Income	Business		Feb 26	$391.26			$391.26
75	02/03/2026	Shell	Fuel & transport	$47.20	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Feb 26		$47.20		-$47.20
76	02/04/2026	Client visit — mileage	Travel & mileage	$31.49	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Feb 26		$31.49		-$31.49	$31.49
77	02/04/2026	State business registration	Licenses & taxes	$125.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Feb 26		$125.00		-$125.00	$125.00
78	02/05/2026	401(k) top-up	Retirement	$300.00	Everyday Checking	Bank Transfer	401(k)				Savings & Investments	Expense	Personal	Savings	Feb 26			$300.00	-$300.00
79	02/05/2026	Adobe Creative Cloud	Software & subscriptions	$59.99	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Feb 26		$59.99		-$59.99	$59.99
80	02/05/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Feb 26	$2,450.00			$2,450.00
81	02/05/2026	Nordstrom Rack	Clothing	$47.46	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$47.46		-$47.46
82	02/05/2026	Salon Verde	Personal care	$48.92	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$48.92		-$48.92
83	02/06/2026	AMC Theatres	Entertainment	$48.47	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$48.47		-$48.47
84	02/06/2026	Index fund	Investments	$100.00	Everyday Checking	Bank Transfer	Brokerage				Savings & Investments	Expense	Personal	Savings	Feb 26			$100.00	-$100.00
85	02/06/2026	PetSmart	Pets	$58.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$58.00		-$58.00
86	02/06/2026	Studio insurance	Business insurance	$38.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Feb 26		$38.00		-$38.00	$38.00
87	02/07/2026	Whole Foods	Groceries	$111.47	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Feb 26		$111.47		-$111.47
88	02/08/2026	Netflix	Subscriptions	$15.49	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Feb 26		$15.49		-$15.49
89	02/09/2026	ATM	Transfer between accounts	$100.00	Everyday Checking	Cash	Cash Wallet				Transfers	Transfer	Personal		Feb 26
90	02/09/2026	Chipotle	Dining out & coffee	$65.97	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$65.97		-$65.97
91	02/09/2026	Target	Household & repairs	$61.58	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Feb 26		$61.58		-$61.58
92	02/09/2026	Whole Foods	Groceries	$147.64	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Feb 26		$147.64		-$147.64
93	02/10/2026	Spotify	Subscriptions	$11.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Feb 26		$11.99		-$11.99
94	02/11/2026	Figma	Software & subscriptions	$15.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Feb 26		$15.00		-$15.00	$15.00
95	02/12/2026	Internet & mobile	Internet & phone	$129.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Feb 26		$129.00		-$129.00
96	02/12/2026	Invoice — Lumen Yoga	Sales & client payments	$724.51	Studio Checking	Bank Transfer					Income	Income	Business		Feb 26	$724.51			$724.51
97	02/12/2026	Part-time payroll	Salary — second	$1,150.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Feb 26	$1,150.00			$1,150.00
98	02/12/2026	Trader Joe's	Groceries	$150.13	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Feb 26		$150.13		-$150.13
99	02/12/2026	Valentine's dinner & gift	Gifts & celebrations	$96.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$96.00		-$96.00
100	02/13/2026	Client visit — mileage	Travel & mileage	$71.95	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Feb 26		$71.95		-$71.95	$71.95
101	02/13/2026	Staples	Office supplies	$81.69	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Feb 26		$81.69		-$81.69	$81.69
102	02/14/2026	Farmers market	Everything else	$41.09	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$41.09		-$41.09
103	02/14/2026	Notion	Software & subscriptions	$10.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Feb 26		$10.00		-$10.00	$10.00
104	02/14/2026	iCloud	Subscriptions	$2.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Feb 26		$2.99		-$2.99
105	02/15/2026	Pizzeria Sole	Dining out & coffee	$64.29	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$64.29		-$64.29
106	02/15/2026	Red Cross	Charity	$25.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$25.00		-$25.00	$25.00	1
107	02/15/2026	Shell	Fuel & transport	$57.79	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Feb 26		$57.79		-$57.79
108	02/15/2026	Student loan	Student loan	$220.00	Everyday Checking	Direct Debit					Debt Payments	Expense	Personal	Savings	Feb 26		$220.00		-$220.00
109	02/16/2026	Costco	Groceries	$110.51	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Feb 26		$110.51		-$110.51
110	02/16/2026	Visa payment	Credit card payment	$200.00	Everyday Checking	Bank Transfer					Debt Payments	Expense	Personal	Savings	Feb 26		$200.00		-$200.00
111	02/17/2026	Barnes & Noble	Education & books	$34.41	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$34.41		-$34.41
112	02/17/2026	Drawing tablet pen	Equipment & tools	$89.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Feb 26		$89.00		-$89.00	$89.00
113	02/17/2026	Invoice — Northwind Coffee	Sales & client payments	$889.63	Studio Checking	Bank Transfer					Income	Income	Business		Feb 26	$889.63			$889.63
114	02/17/2026	Local Thai	Dining out & coffee	$62.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$62.00		-$62.00
115	02/18/2026	Power & gas	Electricity & gas	$165.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Feb 26		$165.00		-$165.00
116	02/19/2026	Business mobile	Phone & internet (business)	$55.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Feb 26		$55.00		-$55.00	$55.00
117	02/19/2026	CVS Pharmacy	Health & pharmacy	$58.01	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Feb 26		$58.01		-$58.01
118	02/19/2026	IRS refund	Refunds & other	$1,240.00	Everyday Checking	Bank Transfer				Federal refund	Income	Income	Personal		Feb 26	$1,240.00			$1,240.00
119	02/20/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Feb 26	$2,450.00			$2,450.00
120	02/21/2026	Freelance illustrator	Contractors & freelancers	$480.00	Studio Checking	Bank Transfer			Yes		Business Expenses	Expense	Business		Feb 26		$480.00		-$480.00	$480.00
121	02/22/2026	Car loan	Car payment	$340.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Feb 26		$340.00		-$340.00
122	02/22/2026	Home Depot	Household & repairs	$56.24	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Feb 26		$56.24		-$56.24
123	02/22/2026	Steam	Entertainment	$27.46	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$27.46		-$27.46
124	02/23/2026	Invoice — Brightside Dental	Sales & client payments	$1,335.12	Studio Checking	Bank Transfer					Income	Income	Business		Feb 26	$1,335.12			$1,335.12
125	02/23/2026	Local Thai	Dining out & coffee	$11.99	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$11.99		-$11.99
126	02/23/2026	Trader Joe's	Groceries	$108.48	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Feb 26		$108.48		-$108.48
127	02/25/2026	Owner draw	Transfer between accounts	$1,500.00	Studio Checking	Bank Transfer	Everyday Checking				Transfers	Transfer	Personal		Feb 26
128	02/26/2026	Client lunch	Meals & entertainment	$84.92	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Feb 26		$84.92		-$84.92	$84.92
129	02/26/2026	Pizzeria Sole	Dining out & coffee	$15.07	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Feb 26		$15.07		-$15.07
130	02/26/2026	To emergency fund	Emergency fund	$250.00	Everyday Checking	Bank Transfer	Savings	Emergency fund			Savings & Investments	Expense	Personal	Savings	Feb 26			$250.00	-$250.00
131	02/27/2026	Laptop fund	Sinking funds	$75.00	Everyday Checking	Bank Transfer	Savings	New laptop			Savings & Investments	Expense	Personal	Savings	Feb 26			$75.00	-$75.00
132	02/27/2026	Portugal fund	Sinking funds	$150.00	Everyday Checking	Bank Transfer	Savings	Vacation — Portugal			Savings & Investments	Expense	Personal	Savings	Feb 26			$150.00	-$150.00
133	02/28/2026	Card & bank fees	Bank & card fees	$12.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Feb 26		$12.00		-$12.00	$12.00
134	02/28/2026	Savings interest	Interest & dividends	$18.88	Savings	Bank Transfer					Income	Income	Personal		Feb 26	$18.88			$18.88
135	03/01/2026	Coworking desk	Home office & rent	$150.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Mar 26		$150.00		-$150.00	$150.00
136	03/01/2026	Gym	Gym & memberships	$45.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Wants	Mar 26		$45.00		-$45.00
137	03/01/2026	Mortgage	Rent / mortgage	$1,690.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Mar 26		$1,690.00		-$1,690.00
138	03/02/2026	Chipotle	Dining out & coffee	$36.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$36.00		-$36.00
139	03/02/2026	Client visit — mileage	Travel & mileage	$51.93	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Mar 26		$51.93		-$51.93	$51.93
140	03/02/2026	Riverside School	Childcare & school	$350.00	Everyday Checking	Bank Transfer					Fixed Expenses	Expense	Personal	Needs	Mar 26		$350.00		-$350.00
141	03/03/2026	Health insurance	Health insurance	$410.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Mar 26		$410.00		-$410.00
142	03/05/2026	401(k) top-up	Retirement	$300.00	Everyday Checking	Bank Transfer	401(k)				Savings & Investments	Expense	Personal	Savings	Mar 26			$300.00	-$300.00
143	03/05/2026	Adobe Creative Cloud	Software & subscriptions	$59.99	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Mar 26		$59.99		-$59.99	$59.99
144	03/05/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Mar 26	$2,450.00			$2,450.00
145	03/05/2026	Whole Foods	Groceries	$128.07	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$128.07		-$128.07
146	03/06/2026	CVS Pharmacy	Health & pharmacy	$48.12	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$48.12		-$48.12
147	03/06/2026	Chevron	Fuel & transport	$50.93	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$50.93		-$50.93
148	03/06/2026	IKEA	Household & repairs	$74.60	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$74.60		-$74.60
149	03/06/2026	Index fund	Investments	$100.00	Everyday Checking	Bank Transfer	Brokerage				Savings & Investments	Expense	Personal	Savings	Mar 26			$100.00	-$100.00
150	03/06/2026	PetSmart	Pets	$58.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$58.00		-$58.00
151	03/06/2026	Studio insurance	Business insurance	$38.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Mar 26		$38.00		-$38.00	$38.00
152	03/06/2026	Whole Foods	Groceries	$125.41	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$125.41		-$125.41
153	03/07/2026	AMC Theatres	Entertainment	$14.22	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$14.22		-$14.22
154	03/07/2026	Client lunch	Meals & entertainment	$51.70	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Mar 26		$51.70		-$51.70	$51.70
155	03/07/2026	Trader Joe's	Groceries	$120.02	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$120.02		-$120.02
156	03/08/2026	Netflix	Subscriptions	$15.49	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Mar 26		$15.49		-$15.49
157	03/09/2026	ATM	Transfer between accounts	$100.00	Everyday Checking	Cash	Cash Wallet				Transfers	Transfer	Personal		Mar 26
158	03/09/2026	Jiffy Lube	Car maintenance	$89.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$89.00		-$89.00
159	03/09/2026	Meta Ads	Advertising & marketing	$220.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Mar 26		$220.00		-$220.00	$220.00
160	03/10/2026	Spotify	Subscriptions	$11.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Mar 26		$11.99		-$11.99
161	03/11/2026	Figma	Software & subscriptions	$15.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Mar 26		$15.00		-$15.00	$15.00
162	03/12/2026	IKEA	Household & repairs	$53.10	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$53.10		-$53.10
163	03/12/2026	Internet & mobile	Internet & phone	$129.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Mar 26		$129.00		-$129.00
164	03/12/2026	Part-time payroll	Salary — second	$1,150.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Mar 26	$1,150.00			$1,150.00
165	03/13/2026	Chevron	Fuel & transport	$60.23	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$60.23		-$60.23
166	03/13/2026	Invoice — Oakline Realty	Sales & client payments	$1,106.12	Studio Checking	Bank Transfer					Income	Income	Business		Mar 26	$1,106.12			$1,106.12
167	03/14/2026	Notion	Software & subscriptions	$10.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Mar 26		$10.00		-$10.00	$10.00
168	03/14/2026	iCloud	Subscriptions	$2.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Mar 26		$2.99		-$2.99
169	03/15/2026	Blue Bottle	Dining out & coffee	$14.01	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$14.01		-$14.01
170	03/15/2026	Home insurance — annual	Home insurance	$1,152.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Mar 26		$1,152.00		-$1,152.00
171	03/15/2026	Red Cross	Charity	$25.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$25.00		-$25.00	$25.00	1
172	03/15/2026	Salon Verde	Personal care	$51.09	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$51.09		-$51.09
173	03/15/2026	Student loan	Student loan	$220.00	Everyday Checking	Direct Debit					Debt Payments	Expense	Personal	Savings	Mar 26		$220.00		-$220.00
174	03/16/2026	Visa payment	Credit card payment	$200.00	Everyday Checking	Bank Transfer					Debt Payments	Expense	Personal	Savings	Mar 26		$200.00		-$200.00
175	03/17/2026	Nordstrom Rack	Clothing	$129.41	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$129.41		-$129.41
176	03/17/2026	Trader Joe's	Groceries	$82.72	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$82.72		-$82.72
177	03/18/2026	Invoice — Harbor Books	Sales & client payments	$702.59	Studio Checking	Bank Transfer					Income	Income	Business		Mar 26	$702.59			$702.59
178	03/18/2026	Power & gas	Electricity & gas	$142.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Mar 26		$142.00		-$142.00
179	03/18/2026	Starbucks	Dining out & coffee	$19.56	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$19.56		-$19.56
180	03/19/2026	Business mobile	Phone & internet (business)	$55.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Mar 26		$55.00		-$55.00	$55.00
181	03/19/2026	Safeway	Groceries	$66.80	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$66.80		-$66.80
182	03/20/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Mar 26	$2,450.00			$2,450.00
183	03/21/2026	Farmers market	Everything else	$26.69	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$26.69		-$26.69
184	03/21/2026	Invoice — Brightside Dental	Sales & client payments	$1,190.23	Studio Checking	Bank Transfer					Income	Income	Business		Mar 26	$1,190.23			$1,190.23
185	03/22/2026	Car loan	Car payment	$340.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Mar 26		$340.00		-$340.00
186	03/22/2026	Design systems course	Education & training	$199.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Mar 26		$199.00		-$199.00	$199.00
187	03/23/2026	USPS	Shipping & postage	$31.87	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Mar 26		$31.87		-$31.87	$31.87
188	03/25/2026	Owner draw	Transfer between accounts	$1,500.00	Studio Checking	Bank Transfer	Everyday Checking				Transfers	Transfer	Personal		Mar 26
189	03/26/2026	To emergency fund	Emergency fund	$250.00	Everyday Checking	Bank Transfer	Savings	Emergency fund			Savings & Investments	Expense	Personal	Savings	Mar 26			$250.00	-$250.00
190	03/27/2026	Laptop fund	Sinking funds	$75.00	Everyday Checking	Bank Transfer	Savings	New laptop			Savings & Investments	Expense	Personal	Savings	Mar 26			$75.00	-$75.00
191	03/27/2026	Portugal fund	Sinking funds	$150.00	Everyday Checking	Bank Transfer	Savings	Vacation — Portugal			Savings & Investments	Expense	Personal	Savings	Mar 26			$150.00	-$150.00
192	03/27/2026	Starbucks	Dining out & coffee	$61.47	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$61.47		-$61.47
193	03/28/2026	AMC Theatres	Entertainment	$52.66	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$52.66		-$52.66
194	03/28/2026	Chevron	Fuel & transport	$48.40	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Mar 26		$48.40		-$48.40
195	03/28/2026	Chipotle	Dining out & coffee	$15.94	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Mar 26		$15.94		-$15.94
196	03/28/2026	Savings interest	Interest & dividends	$15.15	Savings	Bank Transfer					Income	Income	Personal		Mar 26	$15.15			$15.15
197	03/30/2026	Card & bank fees	Bank & card fees	$12.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Mar 26		$12.00		-$12.00	$12.00
198	04/01/2026	Coworking desk	Home office & rent	$150.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Apr 26		$150.00		-$150.00	$150.00
199	04/01/2026	Gym	Gym & memberships	$45.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Wants	Apr 26		$45.00		-$45.00
200	04/01/2026	Mortgage	Rent / mortgage	$1,690.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Apr 26		$1,690.00		-$1,690.00
201	04/01/2026	Shell	Fuel & transport	$43.97	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Apr 26		$43.97		-$43.97
202	04/02/2026	Client visit — mileage	Travel & mileage	$64.87	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Apr 26		$64.87		-$64.87	$64.87
203	04/02/2026	Riverside School	Childcare & school	$350.00	Everyday Checking	Bank Transfer					Fixed Expenses	Expense	Personal	Needs	Apr 26		$350.00		-$350.00
204	04/03/2026	Health insurance	Health insurance	$410.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Apr 26		$410.00		-$410.00
205	04/03/2026	Local Thai	Dining out & coffee	$16.01	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$16.01		-$16.01
206	04/04/2026	Trader Joe's	Groceries	$163.22	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Apr 26		$163.22		-$163.22
207	04/05/2026	401(k) top-up	Retirement	$300.00	Everyday Checking	Bank Transfer	401(k)				Savings & Investments	Expense	Personal	Savings	Apr 26			$300.00	-$300.00
208	04/05/2026	Adobe Creative Cloud	Software & subscriptions	$59.99	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Apr 26		$59.99		-$59.99	$59.99
209	04/05/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Apr 26	$2,450.00			$2,450.00
210	04/05/2026	Safeway	Groceries	$73.24	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Apr 26		$73.24		-$73.24
211	04/06/2026	Index fund	Investments	$100.00	Everyday Checking	Bank Transfer	Brokerage				Savings & Investments	Expense	Personal	Savings	Apr 26			$100.00	-$100.00
212	04/06/2026	PetSmart	Pets	$58.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$58.00		-$58.00
213	04/06/2026	Studio insurance	Business insurance	$38.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Apr 26		$38.00		-$38.00	$38.00
214	04/07/2026	CVS Pharmacy	Health & pharmacy	$42.72	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Apr 26		$42.72		-$42.72
215	04/08/2026	Chevron	Fuel & transport	$48.61	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Apr 26		$48.61		-$48.61
216	04/08/2026	Netflix	Subscriptions	$15.49	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Apr 26		$15.49		-$15.49
217	04/09/2026	ATM	Transfer between accounts	$100.00	Everyday Checking	Cash	Cash Wallet				Transfers	Transfer	Personal		Apr 26
218	04/09/2026	Invoice — Oakline Realty	Sales & client payments	$930.62	Studio Checking	Bank Transfer					Income	Income	Business		Apr 26	$930.62			$930.62
219	04/09/2026	Local Thai	Dining out & coffee	$9.90	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$9.90		-$9.90
220	04/09/2026	Meta Ads	Advertising & marketing	$180.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Apr 26		$180.00		-$180.00	$180.00
221	04/09/2026	Trader Joe's	Groceries	$142.47	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Apr 26		$142.47		-$142.47
222	04/10/2026	Chevron	Fuel & transport	$54.75	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Apr 26		$54.75		-$54.75
223	04/10/2026	Farmers market	Everything else	$22.42	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$22.42		-$22.42
224	04/10/2026	Pizzeria Sole	Dining out & coffee	$59.72	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$59.72		-$59.72
225	04/10/2026	Spotify	Subscriptions	$11.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Apr 26		$11.99		-$11.99
226	04/11/2026	Figma	Software & subscriptions	$15.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Apr 26		$15.00		-$15.00	$15.00
227	04/12/2026	AMC Theatres	Entertainment	$46.36	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$46.36		-$46.36
228	04/12/2026	Client visit — mileage	Travel & mileage	$67.82	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Apr 26		$67.82		-$67.82	$67.82
229	04/12/2026	Internet & mobile	Internet & phone	$129.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Apr 26		$129.00		-$129.00
230	04/12/2026	Part-time payroll	Salary — second	$1,150.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Apr 26	$1,150.00			$1,150.00
231	04/14/2026	Notion	Software & subscriptions	$10.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Apr 26		$10.00		-$10.00	$10.00
232	04/14/2026	iCloud	Subscriptions	$2.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Apr 26		$2.99		-$2.99
233	04/15/2026	County property tax	Property tax & fees	$1,380.00	Everyday Checking	Bank Transfer					Fixed Expenses	Expense	Personal	Needs	Apr 26		$1,380.00		-$1,380.00
234	04/15/2026	Red Cross	Charity	$25.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$25.00		-$25.00	$25.00	1
235	04/15/2026	Student loan	Student loan	$220.00	Everyday Checking	Direct Debit					Debt Payments	Expense	Personal	Savings	Apr 26		$220.00		-$220.00
236	04/16/2026	Visa payment	Credit card payment	$200.00	Everyday Checking	Bank Transfer					Debt Payments	Expense	Personal	Savings	Apr 26		$200.00		-$200.00
237	04/18/2026	Power & gas	Electricity & gas	$118.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Apr 26		$118.00		-$118.00
238	04/18/2026	Safeway	Groceries	$130.47	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Apr 26		$130.47		-$130.47
239	04/19/2026	Business mobile	Phone & internet (business)	$55.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Apr 26		$55.00		-$55.00	$55.00
240	04/19/2026	Local Thai	Dining out & coffee	$31.70	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$31.70		-$31.70
241	04/20/2026	City water	Water	$128.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Apr 26		$128.00		-$128.00
242	04/20/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Apr 26	$2,450.00			$2,450.00
243	04/21/2026	Freelance illustrator	Contractors & freelancers	$350.00	Studio Checking	Bank Transfer			Yes		Business Expenses	Expense	Business		Apr 26		$350.00		-$350.00	$350.00
244	04/21/2026	Invoice — Lumen Yoga	Sales & client payments	$538.47	Studio Checking	Bank Transfer					Income	Income	Business		Apr 26	$538.47			$538.47
245	04/21/2026	Target	Household & repairs	$22.64	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Apr 26		$22.64		-$22.64
246	04/22/2026	Car loan	Car payment	$340.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Apr 26		$340.00		-$340.00
247	04/22/2026	Salon Verde	Personal care	$57.46	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$57.46		-$57.46
248	04/23/2026	IKEA	Household & repairs	$56.56	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Apr 26		$56.56		-$56.56
249	04/24/2026	Vet	Pets	$210.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$210.00		-$210.00
250	04/25/2026	Barnes & Noble	Education & books	$31.80	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$31.80		-$31.80
251	04/25/2026	Owner draw	Transfer between accounts	$1,500.00	Studio Checking	Bank Transfer	Everyday Checking				Transfers	Transfer	Personal		Apr 26
252	04/26/2026	To emergency fund	Emergency fund	$250.00	Everyday Checking	Bank Transfer	Savings	Emergency fund			Savings & Investments	Expense	Personal	Savings	Apr 26			$250.00	-$250.00
253	04/26/2026	Trader Joe's	Groceries	$115.70	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Apr 26		$115.70		-$115.70
254	04/27/2026	Blue Bottle	Dining out & coffee	$9.55	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$9.55		-$9.55
255	04/27/2026	Bowlero	Entertainment	$52.65	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$52.65		-$52.65
256	04/27/2026	Invoice — Northwind Coffee	Sales & client payments	$781.30	Studio Checking	Bank Transfer					Income	Income	Business		Apr 26	$781.30			$781.30
257	04/27/2026	Laptop fund	Sinking funds	$75.00	Everyday Checking	Bank Transfer	Savings	New laptop			Savings & Investments	Expense	Personal	Savings	Apr 26			$75.00	-$75.00
258	04/27/2026	Portugal fund	Sinking funds	$150.00	Everyday Checking	Bank Transfer	Savings	Vacation — Portugal			Savings & Investments	Expense	Personal	Savings	Apr 26			$150.00	-$150.00
259	04/28/2026	Accountant	Professional fees	$180.00	Studio Checking	Bank Transfer			Yes		Business Expenses	Expense	Business		Apr 26		$180.00		-$180.00	$180.00
260	04/28/2026	Nordstrom Rack	Clothing	$81.57	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Apr 26		$81.57		-$81.57
261	04/28/2026	Savings interest	Interest & dividends	$19.75	Savings	Bank Transfer					Income	Income	Personal		Apr 26	$19.75			$19.75
262	04/30/2026	Card & bank fees	Bank & card fees	$12.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Apr 26		$12.00		-$12.00	$12.00
263	05/01/2026	Coworking desk	Home office & rent	$150.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		May 26		$150.00		-$150.00	$150.00
264	05/01/2026	Gym	Gym & memberships	$45.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Wants	May 26		$45.00		-$45.00
265	05/01/2026	Mortgage	Rent / mortgage	$1,690.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	May 26		$1,690.00		-$1,690.00
266	05/01/2026	Starbucks	Dining out & coffee	$35.69	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$35.69		-$35.69
267	05/02/2026	Riverside School	Childcare & school	$350.00	Everyday Checking	Bank Transfer					Fixed Expenses	Expense	Personal	Needs	May 26		$350.00		-$350.00
268	05/03/2026	Health insurance	Health insurance	$410.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	May 26		$410.00		-$410.00
269	05/05/2026	401(k) top-up	Retirement	$300.00	Everyday Checking	Bank Transfer	401(k)				Savings & Investments	Expense	Personal	Savings	May 26			$300.00	-$300.00
270	05/05/2026	Adobe Creative Cloud	Software & subscriptions	$59.99	Studio Checking	Card			Yes		Business Expenses	Expense	Business		May 26		$59.99		-$59.99	$59.99
271	05/05/2026	CVS Pharmacy	Health & pharmacy	$59.02	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	May 26		$59.02		-$59.02
272	05/05/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		May 26	$2,450.00			$2,450.00
273	05/05/2026	Local Thai	Dining out & coffee	$65.43	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$65.43		-$65.43
274	05/05/2026	Whole Foods	Groceries	$87.37	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	May 26		$87.37		-$87.37
275	05/06/2026	Index fund	Investments	$100.00	Everyday Checking	Bank Transfer	Brokerage				Savings & Investments	Expense	Personal	Savings	May 26			$100.00	-$100.00
276	05/06/2026	Invoice — Northwind Coffee	Sales & client payments	$537.17	Studio Checking	Bank Transfer					Income	Income	Business		May 26	$537.17			$537.17
277	05/06/2026	PetSmart	Pets	$58.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$58.00		-$58.00
278	05/06/2026	Studio insurance	Business insurance	$38.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		May 26		$38.00		-$38.00	$38.00
279	05/08/2026	Chipotle	Dining out & coffee	$64.54	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$64.54		-$64.54
280	05/08/2026	Home Depot	Household & repairs	$136.36	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	May 26		$136.36		-$136.36
281	05/08/2026	Mother's Day	Gifts & celebrations	$140.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$140.00		-$140.00
282	05/08/2026	Netflix	Subscriptions	$15.49	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	May 26		$15.49		-$15.49
283	05/09/2026	ATM	Transfer between accounts	$100.00	Everyday Checking	Cash	Cash Wallet				Transfers	Transfer	Personal		May 26
284	05/09/2026	Nordstrom Rack	Clothing	$134.46	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$134.46		-$134.46
285	05/09/2026	Starbucks	Dining out & coffee	$11.55	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$11.55		-$11.55
286	05/10/2026	Spotify	Subscriptions	$11.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	May 26		$11.99		-$11.99
287	05/11/2026	Figma	Software & subscriptions	$15.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		May 26		$15.00		-$15.00	$15.00
288	05/12/2026	Internet & mobile	Internet & phone	$129.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	May 26		$129.00		-$129.00
289	05/12/2026	Invoice — Oakline Realty	Sales & client payments	$654.69	Studio Checking	Bank Transfer					Income	Income	Business		May 26	$654.69			$654.69
290	05/12/2026	Part-time payroll	Salary — second	$1,150.00	Everyday Checking	Bank Transfer					Income	Income	Personal		May 26	$1,150.00			$1,150.00
291	05/12/2026	Salon Verde	Personal care	$52.46	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$52.46		-$52.46
292	05/12/2026	Steam	Entertainment	$34.13	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$34.13		-$34.13
293	05/12/2026	Whole Foods	Groceries	$132.23	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	May 26		$132.23		-$132.23
294	05/13/2026	Client lunch	Meals & entertainment	$77.57	Studio Checking	Card			Yes		Business Expenses	Expense	Business		May 26		$77.57		-$77.57	$77.57
295	05/13/2026	Safeway	Groceries	$81.45	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	May 26		$81.45		-$81.45
296	05/13/2026	Staples	Office supplies	$63.17	Studio Checking	Card			No		Business Expenses	Expense	Business		May 26		$63.17		-$63.17	$63.17	1
297	05/14/2026	Notion	Software & subscriptions	$10.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		May 26		$10.00		-$10.00	$10.00
298	05/14/2026	Trader Joe's	Groceries	$132.13	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	May 26		$132.13		-$132.13
299	05/14/2026	iCloud	Subscriptions	$2.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	May 26		$2.99		-$2.99
300	05/15/2026	Bowlero	Entertainment	$53.47	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$53.47		-$53.47
301	05/15/2026	Red Cross	Charity	$25.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$25.00		-$25.00	$25.00	1
302	05/15/2026	Student loan	Student loan	$220.00	Everyday Checking	Direct Debit					Debt Payments	Expense	Personal	Savings	May 26		$220.00		-$220.00
303	05/16/2026	Target	Household & repairs	$80.05	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	May 26		$80.05		-$80.05
304	05/16/2026	Visa payment	Credit card payment	$200.00	Everyday Checking	Bank Transfer					Debt Payments	Expense	Personal	Savings	May 26		$200.00		-$200.00
305	05/16/2026	Weekend away	Travel & holidays	$320.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$320.00		-$320.00
306	05/17/2026	Client visit — mileage	Travel & mileage	$88.78	Studio Checking	Card			Yes		Business Expenses	Expense	Business		May 26		$88.78		-$88.78	$88.78
307	05/18/2026	Power & gas	Electricity & gas	$96.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	May 26		$96.00		-$96.00
308	05/19/2026	Business mobile	Phone & internet (business)	$55.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		May 26		$55.00		-$55.00	$55.00
309	05/19/2026	Invoice — Harbor Books	Sales & client payments	$500.37	Studio Checking	Bank Transfer					Income	Income	Business		May 26	$500.37			$500.37
310	05/19/2026	Whole Foods	Groceries	$156.25	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	May 26		$156.25		-$156.25
311	05/20/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		May 26	$2,450.00			$2,450.00
312	05/21/2026	Chevron	Fuel & transport	$49.15	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	May 26		$49.15		-$49.15
313	05/22/2026	Car loan	Car payment	$340.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	May 26		$340.00		-$340.00
314	05/22/2026	Farmers market	Everything else	$18.76	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$18.76		-$18.76
315	05/23/2026	Invoice — Lumen Yoga	Sales & client payments	$771.19	Studio Checking	Bank Transfer					Income	Income	Business		May 26	$771.19			$771.19
316	05/25/2026	Owner draw	Transfer between accounts	$1,500.00	Studio Checking	Bank Transfer	Everyday Checking				Transfers	Transfer	Personal		May 26
317	05/26/2026	Chipotle	Dining out & coffee	$40.28	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	May 26		$40.28		-$40.28
318	05/26/2026	To emergency fund	Emergency fund	$250.00	Everyday Checking	Bank Transfer	Savings	Emergency fund			Savings & Investments	Expense	Personal	Savings	May 26			$250.00	-$250.00
319	05/27/2026	Chevron	Fuel & transport	$43.18	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	May 26		$43.18		-$43.18
320	05/27/2026	Laptop fund	Sinking funds	$75.00	Everyday Checking	Bank Transfer	Savings	New laptop			Savings & Investments	Expense	Personal	Savings	May 26			$75.00	-$75.00
321	05/27/2026	Portugal fund	Sinking funds	$150.00	Everyday Checking	Bank Transfer	Savings	Vacation — Portugal			Savings & Investments	Expense	Personal	Savings	May 26			$150.00	-$150.00
322	05/28/2026	Savings interest	Interest & dividends	$17.05	Savings	Bank Transfer					Income	Income	Personal		May 26	$17.05			$17.05
323	05/28/2026	Shell	Fuel & transport	$55.19	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	May 26		$55.19		-$55.19
324	05/30/2026	Card & bank fees	Bank & card fees	$12.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		May 26		$12.00		-$12.00	$12.00
325	06/01/2026	Costco	Groceries	$122.70	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$122.70		-$122.70
326	06/01/2026	Coworking desk	Home office & rent	$150.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jun 26		$150.00		-$150.00	$150.00
327	06/01/2026	Gym	Gym & memberships	$45.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Wants	Jun 26		$45.00		-$45.00
328	06/01/2026	Mortgage	Rent / mortgage	$1,690.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jun 26		$1,690.00		-$1,690.00
329	06/02/2026	Chipotle	Dining out & coffee	$16.06	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$16.06		-$16.06
330	06/02/2026	Riverside School	Childcare & school	$350.00	Everyday Checking	Bank Transfer					Fixed Expenses	Expense	Personal	Needs	Jun 26		$350.00		-$350.00
331	06/03/2026	Health insurance	Health insurance	$410.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jun 26		$410.00		-$410.00
332	06/03/2026	Salon Verde	Personal care	$42.11	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$42.11		-$42.11
333	06/03/2026	Studio monitor	Equipment & tools	$429.00	Studio Checking	Card			Yes	27-inch, colour accurate	Business Expenses	Expense	Business		Jun 26		$429.00		-$429.00	$429.00
334	06/05/2026	401(k) top-up	Retirement	$300.00	Everyday Checking	Bank Transfer	401(k)				Savings & Investments	Expense	Personal	Savings	Jun 26			$300.00	-$300.00
335	06/05/2026	AMC Theatres	Entertainment	$57.34	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$57.34		-$57.34
336	06/05/2026	Adobe Creative Cloud	Software & subscriptions	$59.99	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jun 26		$59.99		-$59.99	$59.99
337	06/05/2026	Client visit — mileage	Travel & mileage	$65.78	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jun 26		$65.78		-$65.78	$65.78
338	06/05/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Jun 26	$2,450.00			$2,450.00
339	06/05/2026	Home Depot	Household & repairs	$21.47	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$21.47		-$21.47
340	06/05/2026	Invoice — Lumen Yoga	Sales & client payments	$548.68	Studio Checking	Bank Transfer					Income	Income	Business		Jun 26	$548.68			$548.68
341	06/06/2026	Index fund	Investments	$100.00	Everyday Checking	Bank Transfer	Brokerage				Savings & Investments	Expense	Personal	Savings	Jun 26			$100.00	-$100.00
342	06/06/2026	Invoice — Harbor Books	Sales & client payments	$719.60	Studio Checking	Bank Transfer					Income	Income	Business		Jun 26	$719.60			$719.60
343	06/06/2026	PetSmart	Pets	$58.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$58.00		-$58.00
344	06/06/2026	Studio insurance	Business insurance	$38.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jun 26		$38.00		-$38.00	$38.00
345	06/07/2026	Invoice — Oakline Realty	Sales & client payments	$1,004.51	Studio Checking	Bank Transfer					Income	Income	Business		Jun 26	$1,004.51			$1,004.51
346	06/07/2026	Whole Foods	Groceries	$102.34	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$102.34		-$102.34
347	06/08/2026	Bowlero	Entertainment	$18.73	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$18.73		-$18.73
348	06/08/2026	Netflix	Subscriptions	$15.49	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Jun 26		$15.49		-$15.49
349	06/09/2026	ATM	Transfer between accounts	$100.00	Everyday Checking	Cash	Cash Wallet				Transfers	Transfer	Personal		Jun 26
350	06/09/2026	Client lunch	Meals & entertainment	$78.40	Studio Checking	Card			No		Business Expenses	Expense	Business		Jun 26		$78.40		-$78.40	$78.40	1
351	06/09/2026	Local Thai	Dining out & coffee	$24.31	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$24.31		-$24.31
352	06/09/2026	Meta Ads	Advertising & marketing	$300.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jun 26		$300.00		-$300.00	$300.00
353	06/10/2026	Local Thai	Dining out & coffee	$28.15	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$28.15		-$28.15
354	06/10/2026	Spotify	Subscriptions	$11.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Jun 26		$11.99		-$11.99
355	06/11/2026	Figma	Software & subscriptions	$15.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jun 26		$15.00		-$15.00	$15.00
356	06/12/2026	Discount Tire	Car maintenance	$462.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$462.00		-$462.00
357	06/12/2026	Internet & mobile	Internet & phone	$129.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jun 26		$129.00		-$129.00
358	06/12/2026	Part-time payroll	Salary — second	$1,150.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Jun 26	$1,150.00			$1,150.00
359	06/14/2026	Chevron	Fuel & transport	$59.05	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$59.05		-$59.05
360	06/14/2026	Notion	Software & subscriptions	$10.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jun 26		$10.00		-$10.00	$10.00
361	06/14/2026	iCloud	Subscriptions	$2.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Jun 26		$2.99		-$2.99
362	06/15/2026	Red Cross	Charity	$25.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$25.00		-$25.00	$25.00	1
363	06/15/2026	Student loan	Student loan	$220.00	Everyday Checking	Direct Debit					Debt Payments	Expense	Personal	Savings	Jun 26		$220.00		-$220.00
364	06/16/2026	Shell	Fuel & transport	$57.16	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$57.16		-$57.16
365	06/16/2026	Visa payment	Credit card payment	$200.00	Everyday Checking	Bank Transfer					Debt Payments	Expense	Personal	Savings	Jun 26		$200.00		-$200.00
366	06/17/2026	Client visit — mileage	Travel & mileage	$89.85	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jun 26		$89.85		-$89.85	$89.85
367	06/18/2026	Home Depot	Household & repairs	$80.83	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$80.83		-$80.83
368	06/18/2026	Power & gas	Electricity & gas	$104.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jun 26		$104.00		-$104.00
369	06/18/2026	Safeway	Groceries	$164.31	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$164.31		-$164.31
370	06/18/2026	Uniqlo	Clothing	$105.14	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$105.14		-$105.14
371	06/19/2026	Business mobile	Phone & internet (business)	$55.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jun 26		$55.00		-$55.00	$55.00
372	06/19/2026	Pizzeria Sole	Dining out & coffee	$17.70	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$17.70		-$17.70
373	06/20/2026	Barnes & Noble	Education & books	$43.37	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$43.37		-$43.37
374	06/20/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Jun 26	$2,450.00			$2,450.00
375	06/20/2026	Invoice — Northwind Coffee	Sales & client payments	$856.26	Studio Checking	Bank Transfer					Income	Income	Business		Jun 26	$856.26			$856.26
376	06/21/2026	Freelance illustrator	Contractors & freelancers	$600.00	Studio Checking	Bank Transfer			Yes		Business Expenses	Expense	Business		Jun 26		$600.00		-$600.00	$600.00
377	06/21/2026	Shell	Fuel & transport	$45.77	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$45.77		-$45.77
378	06/22/2026	Car loan	Car payment	$340.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jun 26		$340.00		-$340.00
379	06/23/2026	CVS Pharmacy	Health & pharmacy	$66.83	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$66.83		-$66.83
380	06/23/2026	Trader Joe's	Groceries	$71.07	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$71.07		-$71.07
381	06/24/2026	Blue Bottle	Dining out & coffee	$58.53	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$58.53		-$58.53
382	06/25/2026	Owner draw	Transfer between accounts	$1,500.00	Studio Checking	Bank Transfer	Everyday Checking				Transfers	Transfer	Personal		Jun 26
383	06/26/2026	To emergency fund	Emergency fund	$250.00	Everyday Checking	Bank Transfer	Savings	Emergency fund			Savings & Investments	Expense	Personal	Savings	Jun 26			$250.00	-$250.00
384	06/27/2026	Amazon	Everything else	$25.72	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jun 26		$25.72		-$25.72
385	06/27/2026	Laptop fund	Sinking funds	$75.00	Everyday Checking	Bank Transfer	Savings	New laptop			Savings & Investments	Expense	Personal	Savings	Jun 26			$75.00	-$75.00
386	06/27/2026	Portugal fund	Sinking funds	$150.00	Everyday Checking	Bank Transfer	Savings	Vacation — Portugal			Savings & Investments	Expense	Personal	Savings	Jun 26			$150.00	-$150.00
387	06/28/2026	Savings interest	Interest & dividends	$20.01	Savings	Bank Transfer					Income	Income	Personal		Jun 26	$20.01			$20.01
388	06/28/2026	Whole Foods	Groceries	$97.36	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jun 26		$97.36		-$97.36
389	06/30/2026	Card & bank fees	Bank & card fees	$12.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jun 26		$12.00		-$12.00	$12.00
390	07/01/2026	CVS Pharmacy	Health & pharmacy	$57.10	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jul 26		$57.10		-$57.10
391	07/01/2026	Coworking desk	Home office & rent	$150.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jul 26		$150.00		-$150.00	$150.00
392	07/01/2026	Gym	Gym & memberships	$45.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Wants	Jul 26		$45.00		-$45.00
393	07/01/2026	Mortgage	Rent / mortgage	$1,690.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jul 26		$1,690.00		-$1,690.00
394	07/02/2026	Riverside School	Childcare & school	$480.00	Everyday Checking	Bank Transfer					Fixed Expenses	Expense	Personal	Needs	Jul 26		$480.00		-$480.00
395	07/03/2026	Airline tickets	Travel & holidays	$880.00	Everyday Checking	Card				Portugal test run	Variable Expenses	Expense	Personal	Wants	Jul 26		$880.00		-$880.00
396	07/03/2026	Health insurance	Health insurance	$410.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jul 26		$410.00		-$410.00
397	07/04/2026	IKEA	Household & repairs	$88.08	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jul 26		$88.08		-$88.08
398	07/05/2026	401(k) top-up	Retirement	$300.00	Everyday Checking	Bank Transfer	401(k)				Savings & Investments	Expense	Personal	Savings	Jul 26			$300.00	-$300.00
399	07/05/2026	Adobe Creative Cloud	Software & subscriptions	$59.99	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jul 26		$59.99		-$59.99	$59.99
400	07/05/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Jul 26	$2,450.00			$2,450.00
401	07/05/2026	Invoice — Harbor Books	Sales & client payments	$644.88	Studio Checking	Bank Transfer					Income	Income	Business		Jul 26	$644.88			$644.88
402	07/05/2026	Invoice — Oakline Realty	Sales & client payments	$1,052.29	Studio Checking	Bank Transfer					Income	Income	Business		Jul 26	$1,052.29			$1,052.29
403	07/06/2026	Index fund	Investments	$100.00	Everyday Checking	Bank Transfer	Brokerage				Savings & Investments	Expense	Personal	Savings	Jul 26			$100.00	-$100.00
404	07/06/2026	PetSmart	Pets	$58.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$58.00		-$58.00
405	07/06/2026	Studio insurance	Business insurance	$38.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jul 26		$38.00		-$38.00	$38.00
406	07/06/2026	Whole Foods	Groceries	$115.66	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jul 26		$115.66		-$115.66
407	07/08/2026	Costco	Groceries	$96.21	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jul 26		$96.21		-$96.21
408	07/08/2026	Netflix	Subscriptions	$15.49	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Jul 26		$15.49		-$15.49
409	07/09/2026	ATM	Transfer between accounts	$100.00	Everyday Checking	Cash	Cash Wallet				Transfers	Transfer	Personal		Jul 26
410	07/09/2026	Chevron	Fuel & transport	$47.54	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jul 26		$47.54		-$47.54
411	07/09/2026	Farmers market	Everything else	$16.70	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$16.70		-$16.70
412	07/09/2026	Target	Household & repairs	$66.95	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jul 26		$66.95		-$66.95
413	07/10/2026	Car insurance	Car insurance	$708.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jul 26		$708.00		-$708.00
414	07/10/2026	Spotify	Subscriptions	$11.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Jul 26		$11.99		-$11.99
415	07/11/2026	AMC Theatres	Entertainment	$54.61	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$54.61		-$54.61
416	07/11/2026	Chevron	Fuel & transport	$46.92	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jul 26		$46.92		-$46.92
417	07/11/2026	Figma	Software & subscriptions	$15.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jul 26		$15.00		-$15.00	$15.00
418	07/11/2026	Salon Verde	Personal care	$57.17	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$57.17		-$57.17
419	07/11/2026	Whole Foods	Groceries	$104.73	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jul 26		$104.73		-$104.73
420	07/12/2026	Internet & mobile	Internet & phone	$129.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jul 26		$129.00		-$129.00
421	07/12/2026	Part-time payroll	Salary — second	$1,150.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Jul 26	$1,150.00			$1,150.00
422	07/12/2026	Starbucks	Dining out & coffee	$29.66	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$29.66		-$29.66
423	07/14/2026	Chipotle	Dining out & coffee	$33.38	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$33.38		-$33.38
424	07/14/2026	Notion	Software & subscriptions	$10.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jul 26		$10.00		-$10.00	$10.00
425	07/14/2026	iCloud	Subscriptions	$2.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Jul 26		$2.99		-$2.99
426	07/15/2026	Red Cross	Charity	$25.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$25.00		-$25.00	$25.00	1
427	07/15/2026	Student loan	Student loan	$220.00	Everyday Checking	Direct Debit					Debt Payments	Expense	Personal	Savings	Jul 26		$220.00		-$220.00
428	07/16/2026	Uniqlo	Clothing	$85.54	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$85.54		-$85.54
429	07/16/2026	Visa payment	Credit card payment	$200.00	Everyday Checking	Bank Transfer					Debt Payments	Expense	Personal	Savings	Jul 26		$200.00		-$200.00
430	07/17/2026	Client visit — mileage	Travel & mileage	$51.03	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jul 26		$51.03		-$51.03	$51.03
431	07/18/2026	Hotel	Travel & holidays	$500.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$500.00		-$500.00
432	07/18/2026	Power & gas	Electricity & gas	$132.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jul 26		$132.00		-$132.00
433	07/19/2026	Business mobile	Phone & internet (business)	$55.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jul 26		$55.00		-$55.00	$55.00
434	07/20/2026	City water	Water	$128.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jul 26		$128.00		-$128.00
435	07/20/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Jul 26	$2,450.00			$2,450.00
436	07/21/2026	Steam	Entertainment	$21.61	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$21.61		-$21.61
437	07/22/2026	Car loan	Car payment	$340.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Jul 26		$340.00		-$340.00
438	07/22/2026	Safeway	Groceries	$82.83	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jul 26		$82.83		-$82.83
439	07/23/2026	Starbucks	Dining out & coffee	$46.72	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$46.72		-$46.72
440	07/23/2026	USPS	Shipping & postage	$14.97	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jul 26		$14.97		-$14.97	$14.97
441	07/25/2026	Chipotle	Dining out & coffee	$32.74	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$32.74		-$32.74
442	07/25/2026	Owner draw	Transfer between accounts	$1,500.00	Studio Checking	Bank Transfer	Everyday Checking				Transfers	Transfer	Personal		Jul 26
443	07/25/2026	Whole Foods	Groceries	$85.34	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jul 26		$85.34		-$85.34
444	07/26/2026	Client visit — mileage	Travel & mileage	$82.54	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Jul 26		$82.54		-$82.54	$82.54
445	07/26/2026	Local Thai	Dining out & coffee	$57.81	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Jul 26		$57.81		-$57.81
446	07/26/2026	To emergency fund	Emergency fund	$250.00	Everyday Checking	Bank Transfer	Savings	Emergency fund			Savings & Investments	Expense	Personal	Savings	Jul 26			$250.00	-$250.00
447	07/27/2026	Invoice — Northwind Coffee	Sales & client payments	$663.53	Studio Checking	Bank Transfer					Income	Income	Business		Jul 26	$663.53			$663.53
448	07/27/2026	Laptop fund	Sinking funds	$75.00	Everyday Checking	Bank Transfer	Savings	New laptop			Savings & Investments	Expense	Personal	Savings	Jul 26			$75.00	-$75.00
449	07/27/2026	Portugal fund	Sinking funds	$150.00	Everyday Checking	Bank Transfer	Savings	Vacation — Portugal			Savings & Investments	Expense	Personal	Savings	Jul 26			$150.00	-$150.00
450	07/27/2026	Shell	Fuel & transport	$53.79	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Jul 26		$53.79		-$53.79
451	07/28/2026	Accountant	Professional fees	$180.00	Studio Checking	Bank Transfer			Yes		Business Expenses	Expense	Business		Jul 26		$180.00		-$180.00	$180.00
452	07/28/2026	Savings interest	Interest & dividends	$19.10	Savings	Bank Transfer					Income	Income	Personal		Jul 26	$19.10			$19.10
453	07/30/2026	Card & bank fees	Bank & card fees	$12.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Jul 26		$12.00		-$12.00	$12.00
454	08/01/2026	Coworking desk	Home office & rent	$150.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Aug 26		$150.00		-$150.00	$150.00
455	08/01/2026	Gym	Gym & memberships	$45.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Wants	Aug 26		$45.00		-$45.00
456	08/01/2026	Mortgage	Rent / mortgage	$1,690.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Aug 26		$1,690.00		-$1,690.00
457	08/02/2026	IKEA	Household & repairs	$34.25	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Aug 26		$34.25		-$34.25
458	08/02/2026	Riverside School	Childcare & school	$480.00	Everyday Checking	Bank Transfer					Fixed Expenses	Expense	Personal	Needs	Aug 26		$480.00		-$480.00
459	08/03/2026	Health insurance	Health insurance	$410.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Aug 26		$410.00		-$410.00
460	08/03/2026	Starbucks	Dining out & coffee	$40.67	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$40.67		-$40.67
461	08/03/2026	Steam	Entertainment	$45.77	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$45.77		-$45.77
462	08/03/2026	Trader Joe's	Groceries	$166.15	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Aug 26		$166.15		-$166.15
463	08/04/2026	Client lunch	Meals & entertainment	$87.38	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Aug 26		$87.38		-$87.38	$87.38
464	08/05/2026	401(k) top-up	Retirement	$300.00	Everyday Checking	Bank Transfer	401(k)				Savings & Investments	Expense	Personal	Savings	Aug 26			$300.00	-$300.00
465	08/05/2026	Adobe Creative Cloud	Software & subscriptions	$59.99	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Aug 26		$59.99		-$59.99	$59.99
466	08/05/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Aug 26	$2,450.00			$2,450.00
467	08/06/2026	Index fund	Investments	$100.00	Everyday Checking	Bank Transfer	Brokerage				Savings & Investments	Expense	Personal	Savings	Aug 26			$100.00	-$100.00
468	08/06/2026	PetSmart	Pets	$58.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$58.00		-$58.00
469	08/06/2026	Studio insurance	Business insurance	$38.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Aug 26		$38.00		-$38.00	$38.00
470	08/07/2026	Safeway	Groceries	$96.98	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Aug 26		$96.98		-$96.98
471	08/08/2026	Netflix	Subscriptions	$15.49	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Aug 26		$15.49		-$15.49
472	08/09/2026	ATM	Transfer between accounts	$100.00	Everyday Checking	Cash	Cash Wallet				Transfers	Transfer	Personal		Aug 26
473	08/09/2026	CVS Pharmacy	Health & pharmacy	$29.53	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Aug 26		$29.53		-$29.53
474	08/09/2026	Meta Ads	Advertising & marketing	$250.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Aug 26		$250.00		-$250.00	$250.00
475	08/09/2026	Salon Verde	Personal care	$42.16	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$42.16		-$42.16
476	08/10/2026	Spotify	Subscriptions	$11.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Aug 26		$11.99		-$11.99
477	08/11/2026	Chevron	Fuel & transport	$49.30	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Aug 26		$49.30		-$49.30
478	08/11/2026	Figma	Software & subscriptions	$15.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Aug 26		$15.00		-$15.00	$15.00
479	08/12/2026	Client visit — mileage	Travel & mileage	$52.49	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Aug 26		$52.49		-$52.49	$52.49
480	08/12/2026	Internet & mobile	Internet & phone	$129.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Aug 26		$129.00		-$129.00
481	08/12/2026	Part-time payroll	Salary — second	$1,150.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Aug 26	$1,150.00			$1,150.00
482	08/13/2026	Staples	Office supplies	$62.52	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Aug 26		$62.52		-$62.52	$62.52
483	08/14/2026	Blue Bottle	Dining out & coffee	$7.75	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$7.75		-$7.75
484	08/14/2026	Notion	Software & subscriptions	$10.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Aug 26		$10.00		-$10.00	$10.00
485	08/14/2026	iCloud	Subscriptions	$2.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Aug 26		$2.99		-$2.99
486	08/15/2026	Red Cross	Charity	$25.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$25.00		-$25.00	$25.00	1
487	08/15/2026	Student loan	Student loan	$220.00	Everyday Checking	Direct Debit					Debt Payments	Expense	Personal	Savings	Aug 26		$220.00		-$220.00
488	08/16/2026	Chevron	Fuel & transport	$47.36	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Aug 26		$47.36		-$47.36
489	08/16/2026	Visa payment	Credit card payment	$200.00	Everyday Checking	Bank Transfer					Debt Payments	Expense	Personal	Savings	Aug 26		$200.00		-$200.00
490	08/17/2026	Client visit — mileage	Travel & mileage	$49.62	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Aug 26		$49.62		-$49.62	$49.62
491	08/17/2026	Invoice — Harbor Books	Sales & client payments	$555.08	Studio Checking	Bank Transfer					Income	Income	Business		Aug 26	$555.08			$555.08
492	08/17/2026	Pizzeria Sole	Dining out & coffee	$8.76	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$8.76		-$8.76
493	08/18/2026	Farmers market	Everything else	$47.32	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$47.32		-$47.32
494	08/18/2026	Power & gas	Electricity & gas	$148.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Aug 26		$148.00		-$148.00
495	08/18/2026	Safeway	Groceries	$161.97	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Aug 26		$161.97		-$161.97
496	08/19/2026	Business mobile	Phone & internet (business)	$55.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Aug 26		$55.00		-$55.00	$55.00
497	08/19/2026	Starbucks	Dining out & coffee	$51.52	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$51.52		-$51.52
498	08/19/2026	Uniqlo	Clothing	$129.27	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$129.27		-$129.27
499	08/20/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Aug 26	$2,450.00			$2,450.00
500	08/21/2026	Birthday gifts	Gifts & celebrations	$75.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$75.00		-$75.00
501	08/21/2026	Freelance illustrator	Contractors & freelancers	$420.00	Studio Checking	Bank Transfer			No		Business Expenses	Expense	Business		Aug 26		$420.00		-$420.00	$420.00	1
502	08/21/2026	IKEA	Household & repairs	$116.69	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Aug 26		$116.69		-$116.69
503	08/22/2026	Car loan	Car payment	$340.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Aug 26		$340.00		-$340.00
504	08/22/2026	Chevron	Fuel & transport	$59.62	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Aug 26		$59.62		-$59.62
505	08/22/2026	Invoice — Northwind Coffee	Sales & client payments	$809.88	Studio Checking	Bank Transfer					Income	Income	Business		Aug 26	$809.88			$809.88
506	08/23/2026	Chipotle	Dining out & coffee	$67.28	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$67.28		-$67.28
507	08/23/2026	Safeway	Groceries	$126.24	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Aug 26		$126.24		-$126.24
508	08/25/2026	Owner draw	Transfer between accounts	$1,500.00	Studio Checking	Bank Transfer	Everyday Checking				Transfers	Transfer	Personal		Aug 26
509	08/25/2026	Safeway	Groceries	$136.78	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Aug 26		$136.78		-$136.78
510	08/26/2026	To emergency fund	Emergency fund	$250.00	Everyday Checking	Bank Transfer	Savings	Emergency fund			Savings & Investments	Expense	Personal	Savings	Aug 26			$250.00	-$250.00
511	08/27/2026	Invoice — Oakline Realty	Sales & client payments	$746.70	Studio Checking	Bank Transfer					Income	Income	Business		Aug 26	$746.70			$746.70
512	08/27/2026	Laptop fund	Sinking funds	$75.00	Everyday Checking	Bank Transfer	Savings	New laptop			Savings & Investments	Expense	Personal	Savings	Aug 26			$75.00	-$75.00
513	08/27/2026	Portugal fund	Sinking funds	$150.00	Everyday Checking	Bank Transfer	Savings	Vacation — Portugal			Savings & Investments	Expense	Personal	Savings	Aug 26			$150.00	-$150.00
514	08/28/2026	Savings interest	Interest & dividends	$16.32	Savings	Bank Transfer					Income	Income	Personal		Aug 26	$16.32			$16.32
515	08/28/2026	Steam	Entertainment	$36.39	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Aug 26		$36.39		-$36.39
516	08/30/2026	Card & bank fees	Bank & card fees	$12.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Aug 26		$12.00		-$12.00	$12.00
517	09/01/2026	Barnes & Noble	Education & books	$38.61	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Sep 26		$38.61		-$38.61
518	09/01/2026	Coworking desk	Home office & rent	$150.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Sep 26		$150.00		-$150.00	$150.00
519	09/01/2026	Gym	Gym & memberships	$45.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Wants	Sep 26		$45.00		-$45.00
520	09/01/2026	Mortgage	Rent / mortgage	$1,690.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Sep 26		$1,690.00		-$1,690.00
521	09/02/2026	AMC Theatres	Entertainment	$16.56	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Sep 26		$16.56		-$16.56
522	09/02/2026	Riverside School	Childcare & school	$350.00	Everyday Checking	Bank Transfer					Fixed Expenses	Expense	Personal	Needs	Sep 26		$350.00		-$350.00
523	09/03/2026	Health insurance	Health insurance	$410.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Sep 26		$410.00		-$410.00
524	09/05/2026	401(k) top-up	Retirement	$300.00	Everyday Checking	Bank Transfer	401(k)				Savings & Investments	Expense	Personal	Savings	Sep 26			$300.00	-$300.00
525	09/05/2026	Adobe Creative Cloud	Software & subscriptions	$59.99	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Sep 26		$59.99		-$59.99	$59.99
526	09/05/2026	Costco	Groceries	$144.23	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Sep 26		$144.23		-$144.23
527	09/05/2026	Employer payroll	Salary — main	$2,450.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Sep 26	$2,450.00			$2,450.00
528	09/05/2026	Shell	Fuel & transport	$56.55	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Sep 26		$56.55		-$56.55
529	09/05/2026	Starbucks	Dining out & coffee	$9.79	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Sep 26		$9.79		-$9.79
530	09/06/2026	Index fund	Investments	$100.00	Everyday Checking	Bank Transfer	Brokerage				Savings & Investments	Expense	Personal	Savings	Sep 26			$100.00	-$100.00
531	09/06/2026	Invoice — Oakline Realty	Sales & client payments	$1,112.01	Studio Checking	Bank Transfer					Income	Income	Business		Sep 26	$1,112.01			$1,112.01
532	09/06/2026	PetSmart	Pets	$58.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Sep 26		$58.00		-$58.00
533	09/06/2026	Shell	Fuel & transport	$56.28	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Sep 26		$56.28		-$56.28
534	09/06/2026	Studio insurance	Business insurance	$38.00	Studio Checking	Direct Debit			Yes		Business Expenses	Expense	Business		Sep 26		$38.00		-$38.00	$38.00
535	09/07/2026	Whole Foods	Groceries	$76.49	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Sep 26		$76.49		-$76.49
536	09/08/2026	Netflix	Subscriptions	$15.49	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Sep 26		$15.49		-$15.49
537	09/09/2026	ATM	Transfer between accounts	$100.00	Everyday Checking	Cash	Cash Wallet				Transfers	Transfer	Personal		Sep 26
538	09/09/2026	Brake check	Car maintenance	$140.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Sep 26		$140.00		-$140.00
539	09/09/2026	Invoice — Lumen Yoga	Sales & client payments	$459.53	Studio Checking	Bank Transfer					Income	Income	Business		Sep 26	$459.53			$459.53
540	09/10/2026	Invoice — Harbor Books	Sales & client payments	$451.29	Studio Checking	Bank Transfer					Income	Income	Business		Sep 26	$451.29			$451.29
541	09/10/2026	Spotify	Subscriptions	$11.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Sep 26		$11.99		-$11.99
542	09/11/2026	Figma	Software & subscriptions	$15.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Sep 26		$15.00		-$15.00	$15.00
543	09/11/2026	Uniqlo	Clothing	$118.06	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Sep 26		$118.06		-$118.06
544	09/12/2026	Internet & mobile	Internet & phone	$129.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Sep 26		$129.00		-$129.00
545	09/12/2026	Part-time payroll	Salary — second	$1,150.00	Everyday Checking	Bank Transfer					Income	Income	Personal		Sep 26	$1,150.00			$1,150.00
546	09/14/2026	Notion	Software & subscriptions	$10.00	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Sep 26		$10.00		-$10.00	$10.00
547	09/14/2026	iCloud	Subscriptions	$2.99	Everyday Checking	Card					Fixed Expenses	Expense	Personal	Wants	Sep 26		$2.99		-$2.99
548	09/15/2026	Chevron	Fuel & transport	$55.47	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Sep 26		$55.47		-$55.47
549	09/15/2026	Client visit — mileage	Travel & mileage	$73.11	Studio Checking	Card			Yes		Business Expenses	Expense	Business		Sep 26		$73.11		-$73.11	$73.11
550	09/15/2026	Red Cross	Charity	$25.00	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Sep 26		$25.00		-$25.00	$25.00	1
551	09/15/2026	Student loan	Student loan	$220.00	Everyday Checking	Direct Debit					Debt Payments	Expense	Personal	Savings	Sep 26		$220.00		-$220.00
552	09/16/2026	Bowlero	Entertainment	$39.78	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Sep 26		$39.78		-$39.78
553	09/16/2026	Home Depot	Household & repairs	$54.68	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Sep 26		$54.68		-$54.68
554	09/16/2026	Visa payment	Credit card payment	$200.00	Everyday Checking	Bank Transfer					Debt Payments	Expense	Personal	Savings	Sep 26		$200.00		-$200.00
555	09/17/2026	Costco	Groceries	$100.56	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Sep 26		$100.56		-$100.56
556	09/18/2026	Blue Bottle	Dining out & coffee	$23.38	Everyday Checking	Card					Variable Expenses	Expense	Personal	Wants	Sep 26		$23.38		-$23.38
557	09/18/2026	CVS Pharmacy	Health & pharmacy	$45.01	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Sep 26		$45.01		-$45.01
558	09/18/2026	Power & gas	Electricity & gas	$121.00	Everyday Checking	Direct Debit					Fixed Expenses	Expense	Personal	Needs	Sep 26		$121.00		-$121.00
559	09/18/2026	Target	Household & repairs	$62.43	Everyday Checking	Card					Variable Expenses	Expense	Personal	Needs	Sep 26		$62.43		-$62.43
560
561
562

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	R
1	Annual Budget
2	Plan every month of the year. Type January, then drag the small square at the corner of the cell across to fill the rest.
3	Year	2026		month no. →	1	2	3	4	5	6	7	8	9	10	11	12
4	Category	Group	Ledger	Bucket	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year	Avg / month
5	Salary — main	Income	Personal		$4,900	$4,900	$4,900	$4,900	$4,900	$4,900	$4,900	$4,900	$4,900	$4,900	$4,900	$4,900	$58,800	$4,900
6	Salary — second	Income	Personal		$1,150	$1,150	$1,150	$1,150	$1,150	$1,150	$1,150	$1,150	$1,150	$1,150	$1,150	$1,150	$13,800	$1,150
7	Side income	Income	Personal
8	Bonus & commission	Income	Personal													$1,500	$1,500	$125
9	Interest & dividends	Income	Personal		$18	$18	$18	$18	$18	$18	$18	$18	$18	$18	$18	$18	$216	$18
10	Refunds & other	Income	Personal			$1,200											$1,200	$100
11	Sales & client payments	Income	Business		$3,000	$3,000	$3,000	$3,000	$3,000	$3,000	$3,000	$3,000	$3,000	$3,000	$3,000	$3,000	$36,000	$3,000
12	Other business income	Income	Business
13	Rent / mortgage	Fixed Expenses	Personal	Needs	$1,690	$1,690	$1,690	$1,690	$1,690	$1,690	$1,690	$1,690	$1,690	$1,690	$1,690	$1,690	$20,280	$1,690
14	Property tax & fees	Fixed Expenses	Personal	Needs				$1,380						$1,380			$2,760	$230
15	Electricity & gas	Fixed Expenses	Personal	Needs	$170	$160	$140	$120	$100	$105	$130	$145	$125	$110	$135	$165	$1,605	$134
16	Water	Fixed Expenses	Personal	Needs	$128			$128			$128			$128			$512	$43
17	Internet & phone	Fixed Expenses	Personal	Needs	$129	$129	$129	$129	$129	$129	$129	$129	$129	$129	$129	$129	$1,548	$129
18	Home insurance	Fixed Expenses	Personal	Needs			$1,152										$1,152	$96
19	Health insurance	Fixed Expenses	Personal	Needs	$410	$410	$410	$410	$410	$410	$410	$410	$410	$410	$410	$410	$4,920	$410
20	Car insurance	Fixed Expenses	Personal	Needs	$708						$708						$1,416	$118
21	Car payment	Fixed Expenses	Personal	Needs	$340	$340	$340	$340	$340	$340	$340	$340	$340	$340	$340	$340	$4,080	$340
22	Childcare & school	Fixed Expenses	Personal	Needs	$350	$350	$350	$350	$350	$350	$480	$480	$350	$350	$350	$350	$4,460	$372
23	Subscriptions	Fixed Expenses	Personal	Wants	$30	$30	$30	$30	$30	$30	$30	$30	$30	$30	$30	$30	$366	$30
24	Gym & memberships	Fixed Expenses	Personal	Wants	$45	$45	$45	$45	$45	$45	$45	$45	$45	$45	$45	$45	$540	$45
25	Groceries	Variable Expenses	Personal	Needs	$820	$820	$820	$820	$820	$820	$820	$820	$820	$820	$820	$820	$9,840	$820
26	Dining out & coffee	Variable Expenses	Personal	Wants	$260	$260	$260	$260	$260	$260	$260	$260	$260	$260	$260	$260	$3,120	$260
27	Fuel & transport	Variable Expenses	Personal	Needs	$150	$150	$150	$150	$150	$150	$150	$150	$150	$150	$150	$150	$1,800	$150
28	Car maintenance	Variable Expenses	Personal	Needs	$90	$90	$90	$90	$90	$90	$90	$90	$90	$90	$90	$90	$1,080	$90
29	Household & repairs	Variable Expenses	Personal	Needs	$110	$110	$110	$110	$110	$110	$110	$110	$110	$110	$110	$110	$1,320	$110
30	Health & pharmacy	Variable Expenses	Personal	Needs	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$720	$60
31	Personal care	Variable Expenses	Personal	Wants	$55	$55	$55	$55	$55	$55	$55	$55	$55	$55	$55	$55	$660	$55
32	Clothing	Variable Expenses	Personal	Wants	$90	$90	$90	$90	$90	$90	$90	$90	$90	$90	$90	$90	$1,080	$90
33	Entertainment	Variable Expenses	Personal	Wants	$70	$70	$70	$70	$70	$70	$70	$70	$70	$70	$70	$70	$840	$70
34	Travel & holidays	Variable Expenses	Personal	Wants					$300		$1,400					$400	$2,100	$175
35	Gifts & celebrations	Variable Expenses	Personal	Wants		$100			$140			$80				$350	$670	$56
36	Pets	Variable Expenses	Personal	Wants	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$720	$60
37	Education & books	Variable Expenses	Personal	Wants	$30	$30	$30	$30	$30	$30	$30	$30	$30	$30	$30	$30	$360	$30
38	Charity	Variable Expenses	Personal	Wants	$25	$25	$25	$25	$25	$25	$25	$25	$25	$25	$25	$25	$300	$25
39	Everything else	Variable Expenses	Personal	Wants	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$720	$60
40	Emergency fund	Savings & Investments	Personal	Savings	$250	$250	$250	$250	$250	$250	$250	$250	$250	$250	$250	$250	$3,000	$250
41	Retirement	Savings & Investments	Personal	Savings	$300	$300	$300	$300	$300	$300	$300	$300	$300	$300	$300	$300	$3,600	$300
42	Investments	Savings & Investments	Personal	Savings	$100	$100	$100	$100	$100	$100	$100	$100	$100	$100	$100	$100	$1,200	$100
43	Sinking funds	Savings & Investments	Personal	Savings	$225	$225	$225	$225	$225	$225	$225	$225	$225	$225	$225	$225	$2,700	$225
44	Credit card payment	Debt Payments	Personal	Savings	$200	$200	$200	$200	$200	$200	$200	$200	$200	$200	$200	$200	$2,400	$200
45	Student loan	Debt Payments	Personal	Savings	$220	$220	$220	$220	$220	$220	$220	$220	$220	$220	$220	$220	$2,640	$220
46	Other loan	Debt Payments	Personal	Savings
47	Advertising & marketing	Business Expenses	Business		$180	$180	$180	$180	$180	$180	$180	$180	$180	$180	$180	$180	$2,160	$180
48	Software & subscriptions	Business Expenses	Business		$85	$85	$85	$85	$85	$85	$85	$85	$85	$85	$85	$85	$1,020	$85
49	Office supplies	Business Expenses	Business		$40	$40	$40	$40	$40	$40	$40	$40	$40	$40	$40	$40	$480	$40
50	Equipment & tools	Business Expenses	Business		$100	$100	$100	$100	$100	$100	$100	$100	$100	$100	$100	$100	$1,200	$100
51	Travel & mileage	Business Expenses	Business		$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$720	$60
52	Meals & entertainment	Business Expenses	Business		$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$720	$60
53	Contractors & freelancers	Business Expenses	Business		$400	$400	$400	$400	$400	$400	$400	$400	$400	$400	$400	$400	$4,800	$400
54	Professional fees	Business Expenses	Business		$180			$180			$180			$180			$720	$60
55	Business insurance	Business Expenses	Business		$38	$38	$38	$38	$38	$38	$38	$38	$38	$38	$38	$38	$456	$38
56	Home office & rent	Business Expenses	Business		$150	$150	$150	$150	$150	$150	$150	$150	$150	$150	$150	$150	$1,800	$150
57	Phone & internet (business)	Business Expenses	Business		$55	$55	$55	$55	$55	$55	$55	$55	$55	$55	$55	$55	$660	$55
58	Bank & card fees	Business Expenses	Business		$12	$12	$12	$12	$12	$12	$12	$12	$12	$12	$12	$12	$144	$12
59	Licenses & taxes	Business Expenses	Business			$125											$125	$10
60	Shipping & postage	Business Expenses	Business		$20	$20	$20	$20	$20	$20	$20	$20	$20	$20	$20	$20	$240	$20
61	Education & training	Business Expenses	Business		$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$60	$720	$60
62	Other business expenses	Business Expenses	Business
63	Transfer between accounts	Transfers	Personal

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	R
1	Actual
2	What really happened, by category and month. Everything here is calculated from Transactions.
3	Year	2026		month no. →	1	2	3	4	5	6	7	8	9	10	11	12
4	Category	Group	Ledger	Bucket	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year	Avg / month
5	Salary — main	Income	Personal		$4,900	$4,900	$4,900	$4,900	$4,900	$4,900	$4,900	$4,900	$2,450				$41,650	$4,628
6	Salary — second	Income	Personal		$1,150	$1,150	$1,150	$1,150	$1,150	$1,150	$1,150	$1,150	$1,150				$10,350	$1,150
7	Side income	Income	Personal
8	Bonus & commission	Income	Personal
9	Interest & dividends	Income	Personal		$16	$19	$15	$20	$17	$20	$19	$16					$142	$16
10	Refunds & other	Income	Personal			$1,240											$1,240	$138
11	Sales & client payments	Income	Business		$3,234	$3,341	$2,999	$2,250	$2,463	$3,129	$2,361	$2,112	$2,023				$23,911	$2,657
12	Other business income	Income	Business
13	Rent / mortgage	Fixed Expenses	Personal	Needs	$1,690	$1,690	$1,690	$1,690	$1,690	$1,690	$1,690	$1,690	$1,690				$15,210	$1,690
14	Property tax & fees	Fixed Expenses	Personal	Needs				$1,380									$1,380	$153
15	Electricity & gas	Fixed Expenses	Personal	Needs	$178	$165	$142	$118	$96	$104	$132	$148	$121				$1,204	$134
16	Water	Fixed Expenses	Personal	Needs	$128			$128			$128						$384	$43
17	Internet & phone	Fixed Expenses	Personal	Needs	$129	$129	$129	$129	$129	$129	$129	$129	$129				$1,161	$129
18	Home insurance	Fixed Expenses	Personal	Needs			$1,152										$1,152	$128
19	Health insurance	Fixed Expenses	Personal	Needs	$410	$410	$410	$410	$410	$410	$410	$410	$410				$3,690	$410
20	Car insurance	Fixed Expenses	Personal	Needs	$708						$708						$1,416	$157
21	Car payment	Fixed Expenses	Personal	Needs	$340	$340	$340	$340	$340	$340	$340	$340					$2,720	$302
22	Childcare & school	Fixed Expenses	Personal	Needs	$350	$350	$350	$350	$350	$350	$480	$480	$350				$3,410	$379
23	Subscriptions	Fixed Expenses	Personal	Wants	$30	$30	$30	$30	$30	$30	$30	$30	$30				$274	$30
24	Gym & memberships	Fixed Expenses	Personal	Wants	$45	$45	$45	$45	$45	$45	$45	$45	$45				$405	$45
25	Groceries	Variable Expenses	Personal	Needs	$661	$628	$523	$625	$589	$558	$485	$688	$321				$5,079	$564
26	Dining out & coffee	Variable Expenses	Personal	Wants	$178	$219	$147	$127	$217	$145	$200	$176	$33				$1,443	$160
27	Fuel & transport	Variable Expenses	Personal	Needs	$163	$160	$160	$147	$148	$162	$148	$156	$168				$1,412	$157
28	Car maintenance	Variable Expenses	Personal	Needs			$89			$462			$140				$691	$77
29	Household & repairs	Variable Expenses	Personal	Needs	$167	$118	$128	$79	$216	$102	$155	$151	$117				$1,234	$137
30	Health & pharmacy	Variable Expenses	Personal	Needs	$51	$58	$48	$43	$59	$67	$57	$30	$45				$458	$51
31	Personal care	Variable Expenses	Personal	Wants	$63	$49	$51	$57	$52	$42	$57	$42					$414	$46
32	Clothing	Variable Expenses	Personal	Wants	$118	$47	$129	$82	$134	$105	$86	$129	$118				$949	$105
33	Entertainment	Variable Expenses	Personal	Wants	$87	$76	$67	$99	$88	$76	$76	$82	$56				$707	$79
34	Travel & holidays	Variable Expenses	Personal	Wants					$320		$1,380						$1,700	$189
35	Gifts & celebrations	Variable Expenses	Personal	Wants		$96			$140			$75					$311	$35
36	Pets	Variable Expenses	Personal	Wants	$58	$58	$58	$268	$58	$58	$58	$58	$58				$732	$81
37	Education & books	Variable Expenses	Personal	Wants		$34		$32		$43			$39				$148	$16
38	Charity	Variable Expenses	Personal	Wants	$25	$25	$25	$25	$25	$25	$25	$25	$25				$225	$25
39	Everything else	Variable Expenses	Personal	Wants	$36	$41	$27	$22	$19	$26	$17	$47					$235	$26
40	Emergency fund	Savings & Investments	Personal	Savings	$250	$250	$250	$250	$250	$250	$250	$250					$2,000	$222
41	Retirement	Savings & Investments	Personal	Savings	$300	$300	$300	$300	$300	$300	$300	$300	$300				$2,700	$300
42	Investments	Savings & Investments	Personal	Savings	$100	$100	$100	$100	$100	$100	$100	$100	$100				$900	$100
43	Sinking funds	Savings & Investments	Personal	Savings	$225	$225	$225	$225	$225	$225	$225	$225					$1,800	$200
44	Credit card payment	Debt Payments	Personal	Savings	$200	$200	$200	$200	$200	$200	$200	$200	$200				$1,800	$200
45	Student loan	Debt Payments	Personal	Savings	$220	$220	$220	$220	$220	$220	$220	$220	$220				$1,980	$220
46	Other loan	Debt Payments	Personal	Savings
47	Advertising & marketing	Business Expenses	Business		$150		$220	$180		$300		$250					$1,100	$122
48	Software & subscriptions	Business Expenses	Business		$85	$85	$85	$85	$85	$85	$85	$85	$85				$765	$85
49	Office supplies	Business Expenses	Business			$82			$63			$63					$207	$23
50	Equipment & tools	Business Expenses	Business			$89				$429							$518	$58
51	Travel & mileage	Business Expenses	Business		$121	$103	$52	$133	$89	$156	$134	$102	$73				$962	$107
52	Meals & entertainment	Business Expenses	Business			$85	$52		$78	$78		$87					$380	$42
53	Contractors & freelancers	Business Expenses	Business			$480		$350		$600		$420					$1,850	$206
54	Professional fees	Business Expenses	Business		$180			$180			$180						$540	$60
55	Business insurance	Business Expenses	Business		$38	$38	$38	$38	$38	$38	$38	$38	$38				$342	$38
56	Home office & rent	Business Expenses	Business		$150	$150	$150	$150	$150	$150	$150	$150	$150				$1,350	$150
57	Phone & internet (business)	Business Expenses	Business		$55	$55	$55	$55	$55	$55	$55	$55					$440	$49
58	Bank & card fees	Business Expenses	Business		$12	$12	$12	$12	$12	$12	$12	$12					$96	$11
59	Licenses & taxes	Business Expenses	Business			$125											$125	$14
60	Shipping & postage	Business Expenses	Business				$32				$15						$47	$5
61	Education & training	Business Expenses	Business				$199										$199	$22
62	Other business expenses	Business Expenses	Business
63	Transfer between accounts	Transfers	Personal		$1,600	$1,600	$1,600	$1,600	$1,600	$1,600	$1,600	$1,600	$100				$12,900	$1,433

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q
1	Difference
2	Plan against reality. A plus sign is always the good direction.
3	Year	2026		month no. →	1	2	3	4	5	6	7	8	9	10	11	12
4	Category	Group	Ledger	Bucket	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	To date
5	Salary — main	Income	Personal										-$2,450				-$2,450
6	Salary — second	Income	Personal
7	Side income	Income	Personal
8	Bonus & commission	Income	Personal
9	Interest & dividends	Income	Personal		-$2	$1	-$3	$2	-$1	$2	$1	-$2	-$18				-$20
10	Refunds & other	Income	Personal			$40											$40
11	Sales & client payments	Income	Business		$234	$341	-$1	-$750	-$537	$129	-$639	-$888	-$977				-$3,089
12	Other business income	Income	Business
13	Rent / mortgage	Fixed Expenses	Personal	Needs
14	Property tax & fees	Fixed Expenses	Personal	Needs
15	Electricity & gas	Fixed Expenses	Personal	Needs	-$8	-$5	-$2	$2	$4	$1	-$2	-$3	$4				-$9
16	Water	Fixed Expenses	Personal	Needs
17	Internet & phone	Fixed Expenses	Personal	Needs
18	Home insurance	Fixed Expenses	Personal	Needs
19	Health insurance	Fixed Expenses	Personal	Needs
20	Car insurance	Fixed Expenses	Personal	Needs
21	Car payment	Fixed Expenses	Personal	Needs									$340				$340
22	Childcare & school	Fixed Expenses	Personal	Needs
23	Subscriptions	Fixed Expenses	Personal	Wants
24	Gym & memberships	Fixed Expenses	Personal	Wants
25	Groceries	Variable Expenses	Personal	Needs	$159	$192	$297	$195	$231	$262	$335	$132	$499				$2,301
26	Dining out & coffee	Variable Expenses	Personal	Wants	$82	$41	$113	$133	$43	$115	$60	$84	$227				$897
27	Fuel & transport	Variable Expenses	Personal	Needs	-$13	-$10	-$10	$3	$2	-$12	$2	-$6	-$18				-$62
28	Car maintenance	Variable Expenses	Personal	Needs	$90	$90	$1	$90	$90	-$372	$90	$90	-$50				$119
29	Household & repairs	Variable Expenses	Personal	Needs	-$57	-$8	-$18	$31	-$106	$8	-$45	-$41	-$7				-$244
30	Health & pharmacy	Variable Expenses	Personal	Needs	$9	$2	$12	$17	$1	-$7	$3	$30	$15				$82
31	Personal care	Variable Expenses	Personal	Wants	-$8	$6	$4	-$2	$3	$13	-$2	$13	$55				$81
32	Clothing	Variable Expenses	Personal	Wants	-$28	$43	-$39	$8	-$44	-$15	$4	-$39	-$28				-$139
33	Entertainment	Variable Expenses	Personal	Wants	-$17	-$6	$3	-$29	-$18	-$6	-$6	-$12	$14				-$77
34	Travel & holidays	Variable Expenses	Personal	Wants					-$20		$20
35	Gifts & celebrations	Variable Expenses	Personal	Wants		$4						$5					$9
36	Pets	Variable Expenses	Personal	Wants	$2	$2	$2	-$208	$2	$2	$2	$2	$2				-$192
37	Education & books	Variable Expenses	Personal	Wants	$30	-$4	$30	-$2	$30	-$13	$30	$30	-$9				$122
38	Charity	Variable Expenses	Personal	Wants
39	Everything else	Variable Expenses	Personal	Wants	$24	$19	$33	$38	$41	$34	$43	$13	$60				$305
40	Emergency fund	Savings & Investments	Personal	Savings									-$250				-$250
41	Retirement	Savings & Investments	Personal	Savings
42	Investments	Savings & Investments	Personal	Savings
43	Sinking funds	Savings & Investments	Personal	Savings									-$225				-$225
44	Credit card payment	Debt Payments	Personal	Savings
45	Student loan	Debt Payments	Personal	Savings
46	Other loan	Debt Payments	Personal	Savings
47	Advertising & marketing	Business Expenses	Business		$30	$180	-$40		$180	-$120	$180	-$70	$180				$520
48	Software & subscriptions	Business Expenses	Business		$0	$0	$0	$0	$0	$0	$0	$0	$0				$0
49	Office supplies	Business Expenses	Business		$40	-$42	$40	$40	-$23	$40	$40	-$23	$40				$153
50	Equipment & tools	Business Expenses	Business		$100	$11	$100	$100	$100	-$329	$100	$100	$100				$382
51	Travel & mileage	Business Expenses	Business		-$61	-$43	$8	-$73	-$29	-$96	-$74	-$42	-$13				-$422
52	Meals & entertainment	Business Expenses	Business		$60	-$25	$8	$60	-$18	-$18	$60	-$27	$60				$160
53	Contractors & freelancers	Business Expenses	Business		$400	-$80	$400	$50	$400	-$200	$400	-$20	$400				$1,750
54	Professional fees	Business Expenses	Business
55	Business insurance	Business Expenses	Business
56	Home office & rent	Business Expenses	Business
57	Phone & internet (business)	Business Expenses	Business										$55				$55
58	Bank & card fees	Business Expenses	Business										$12				$12
59	Licenses & taxes	Business Expenses	Business
60	Shipping & postage	Business Expenses	Business		$20	$20	-$12	$20	$20	$20	$5	$20	$20				$133
61	Education & training	Business Expenses	Business		$60	$60	-$139	$60	$60	$60	$60	$60	$60				$341
62	Other business expenses	Business Expenses	Business
63	Transfer between accounts	Transfers	Personal

	A	B	C	D	E	F	G	H	I	J	K	L	M	N
1	50-30-20
2	A plain-English verdict on every month. Personal ledger only; business money is not part of the split.
3	month no. →	1	2	3	4	5	6	7	8	9	10	11	12
4		Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	To date
5	Personal income — actual	$6,065.71	$7,308.88	$6,065.15	$6,069.75	$6,067.05	$6,070.01	$6,069.10	$6,066.32	$3,600.00				$53,381.97
6	Personal income — planned	$6,068.00	$7,268.00	$6,068.00	$6,068.00	$6,068.00	$6,068.00	$6,068.00	$6,068.00	$6,068.00	$6,068.00	$6,068.00	$7,568.00	$55,812.00
7	Income the split is measured against	$6,065.71	$7,308.88	$6,065.15	$6,069.75	$6,067.05	$6,070.01	$6,069.10	$6,066.32	$3,600.00	$6,068.00	$6,068.00	$7,568.00	$53,381.97
8	TARGET
9	Needs	$3,032.86	$3,654.44	$3,032.58	$3,034.88	$3,033.53	$3,035.01	$3,034.55	$3,033.16	$1,800.00	$3,034.00	$3,034.00	$3,784.00	$26,691.01
10	Wants	$1,819.71	$2,192.66	$1,819.55	$1,820.93	$1,820.12	$1,821.00	$1,820.73	$1,819.90	$1,080.00	$1,820.40	$1,820.40	$2,270.40	$16,014.60
11	Savings	$1,213.14	$1,461.78	$1,213.03	$1,213.95	$1,213.41	$1,214.00	$1,213.82	$1,213.26	$720.00	$1,213.60	$1,213.60	$1,513.60	$10,676.39
12	ACTUAL
13	Needs	$4,975.97	$4,047.86	$5,160.40	$5,439.35	$4,027.38	$4,373.89	$4,862.15	$4,221.87	$3,491.70				$40,600.57
14	Wants	$640.83	$721.60	$579.52	$787.61	$1,129.24	$595.63	$1,974.41	$710.36	$404.65				$7,543.85
15	Savings	$1,295.00	$1,295.00	$1,295.00	$1,295.00	$1,295.00	$1,295.00	$1,295.00	$1,295.00	$820.00				$11,180.00
16	SHARE OF INCOME
17	Needs	82.0%	55.4%	85.1%	89.6%	66.4%	72.1%	80.1%	69.6%	97.0%				76.1%
18	Wants	10.6%	9.9%	9.6%	13.0%	18.6%	9.8%	32.5%	11.7%	11.2%				14.1%
19	Savings	21.3%	17.7%	21.3%	21.3%	21.3%	21.3%	21.3%	21.3%	22.8%				20.9%
20	DIFFERENCE — a plus sign is always good
21	Needs	-$1,943.11	-$393.42	-$2,127.82	-$2,404.47	-$993.85	-$1,338.88	-$1,827.60	-$1,188.71	-$1,691.70				-$13,909.56
22	Wants	$1,178.88	$1,471.06	$1,240.03	$1,033.32	$690.88	$1,225.37	-$153.68	$1,109.54	$675.35				$8,470.75
23	Savings	$81.86	-$166.78	$81.97	$81.05	$81.59	$81.00	$81.18	$81.74	$100.00				$503.61
24	VERDICT
25	Needs	Over $1943	Over $393	Over $2128	Over $2404	Over $994	Over $1339	Over $1828	Over $1189	Over $1692				Over $13910
26	Wants	Within	Within	Within	Within	Within	Within	Over $154	Within	Within				Within
27	Savings	Ahead	Short $167	Ahead	Ahead	Ahead	Ahead	Ahead	Ahead	Ahead				Ahead
28
29	Within / Ahead is green, Over / Short is red. The To date column adds every month that has started.

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O
1	Summary
2	Plan, actual and difference for the year, in one page.
3	month no. →	1	2	3	4	5	6	7	8	9	10	11	12
4		Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year	To date
5	PLAN
6	Income	$9,068.00	$10,268.00	$9,068.00	$9,068.00	$9,068.00	$9,068.00	$9,068.00	$9,068.00	$9,068.00	$9,068.00	$9,068.00	$10,568.00	$111,516.00	$82,812.00
7	Fixed Expenses	$4,000.47	$3,154.47	$4,286.47	$4,622.47	$3,094.47	$3,099.47	$4,090.47	$3,269.47	$3,119.47	$4,612.47	$3,129.47	$3,159.47	$43,638.64	$32,737.23
8	Variable Expenses	$1,880.00	$1,980.00	$1,880.00	$1,880.00	$2,320.00	$1,880.00	$3,280.00	$1,960.00	$1,880.00	$1,880.00	$1,880.00	$2,630.00	$25,330.00	$18,940.00
9	Business Expenses	$1,440.00	$1,385.00	$1,260.00	$1,440.00	$1,260.00	$1,260.00	$1,440.00	$1,260.00	$1,260.00	$1,440.00	$1,260.00	$1,260.00	$15,965.00	$12,005.00
10	Debt Payments	$420.00	$420.00	$420.00	$420.00	$420.00	$420.00	$420.00	$420.00	$420.00	$420.00	$420.00	$420.00	$5,040.00	$3,780.00
11	Total spending	$7,740.47	$6,939.47	$7,846.47	$8,362.47	$7,094.47	$6,659.47	$9,230.47	$6,909.47	$6,679.47	$8,352.47	$6,689.47	$7,469.47	$89,973.64	$67,462.23
12	Savings & Investments	$875.00	$875.00	$875.00	$875.00	$875.00	$875.00	$875.00	$875.00	$875.00	$875.00	$875.00	$875.00	$10,500.00	$7,875.00
13	Left over	$452.53	$2,453.53	$346.53	-$169.47	$1,098.53	$1,533.53	-$1,037.47	$1,283.53	$1,513.53	-$159.47	$1,503.53	$2,223.53	$11,042.36	$7,474.77
14	Savings rate	9.7%	8.5%	9.7%	9.7%	9.7%	9.7%	9.7%	9.7%	9.7%	9.7%	9.7%	8.3%	9.4%	9.5%
15
16	ACTUAL
17	Income	$9,299.63	$10,649.40	$9,064.09	$8,320.14	$8,530.47	$9,199.06	$8,429.80	$8,177.98	$5,622.83				$77,293.40	$77,293.40
18	Fixed Expenses	$4,008.47	$3,159.47	$4,288.47	$4,620.47	$3,090.47	$3,098.47	$4,092.47	$3,272.47	$2,775.47				$32,406.23	$32,406.23
19	Variable Expenses	$1,608.33	$1,609.99	$1,451.45	$1,606.49	$2,066.15	$1,871.05	$2,744.09	$1,659.76	$1,120.88				$15,738.19	$15,738.19
20	Business Expenses	$790.60	$1,304.04	$894.49	$1,182.68	$569.51	$1,903.02	$668.53	$1,262.00	$346.10				$8,920.97	$8,920.97
21	Debt Payments	$420.00	$420.00	$420.00	$420.00	$420.00	$420.00	$420.00	$420.00	$420.00				$3,780.00	$3,780.00
22	Total spending	$6,827.40	$6,493.50	$7,054.41	$7,829.64	$6,146.13	$7,292.54	$7,925.09	$6,614.23	$4,662.45				$60,845.39	$60,845.39
23	Savings & Investments	$875.00	$875.00	$875.00	$875.00	$875.00	$875.00	$875.00	$875.00	$400.00				$7,400.00	$7,400.00
24	Left over	$1,597.23	$3,280.90	$1,134.68	-$384.50	$1,509.34	$1,031.52	-$370.29	$688.75	$560.38				$9,048.01	$9,048.01
25	Savings rate	9.4%	8.2%	9.7%	10.5%	10.3%	9.5%	10.4%	10.7%	7.1%				9.6%	9.6%
26
27	DIFFERENCE — a plus sign is always good
28	Income	$231.63	$381.40	-$3.91	-$747.86	-$537.53	$131.06	-$638.20	-$890.02	-$3,445.17				-$5,518.60	-$5,518.60
29	Fixed Expenses	-$8.00	-$5.00	-$2.00	$2.00	$4.00	$1.00	-$2.00	-$3.00	$344.00				$331.00	$331.00
30	Variable Expenses	$271.67	$370.01	$428.55	$273.51	$253.85	$8.95	$535.91	$300.24	$759.12				$3,201.81	$3,201.81
31	Business Expenses	$649.40	$80.96	$365.51	$257.32	$690.49	-$643.02	$771.47	-$2.00	$913.90				$3,084.03	$3,084.03
32	Debt Payments
33	Total spending	$913.07	$445.97	$792.06	$532.83	$948.34	-$633.07	$1,305.38	$295.24	$2,017.02				$6,616.84	$6,616.84
34	Savings & Investments									-$475.00				-$475.00	-$475.00
35	Left over	$1,144.70	$827.37	$788.15	-$215.03	$410.81	-$502.01	$667.18	-$594.78	-$953.15				$1,573.24	$1,573.24
36	Savings rate	-0.2%	-0.3%	0.0%	0.9%	0.6%	-0.1%	0.7%	1.1%	-2.5%				0.1%	0.1%
37
38	In the Difference block, Total spending is plan minus actual (under budget is a plus), and Left over is actual minus plan.

	A	B	C	D	E	F	G	H	I	K	L	M
1	Business
2	How to keep track of business expenses: every category by quarter, what is deductible and which receipts are missing.
3	Carter Studio									CHART DATA — keep this block
4	Business expense category	Q1	Q2	Q3	Q4	Year	Share	Deductible	Row	Month	Income	Expenses
5	Advertising & marketing	$370.00	$480.00	$250.00		$1,100.00	12.3%	Yes	43	Jan	$3,233.92	$790.60
6	Software & subscriptions	$254.97	$254.97	$254.97		$764.91	8.6%	Yes	44	Feb	$3,340.52	$1,304.04
7	Office supplies	$81.69	$63.17	$62.52		$207.38	2.3%	Yes	45	Mar	$2,998.94	$894.49
8	Equipment & tools	$89.00	$429.00			$518.00	5.8%	Yes	46	Apr	$2,250.39	$1,182.68
9	Travel & mileage	$275.98	$377.10	$308.79		$961.87	10.8%	Yes	47	May	$2,463.42	$569.51
10	Meals & entertainment	$136.62	$155.97	$87.38		$379.97	4.3%	Yes	48	Jun	$3,129.05	$1,903.02
11	Contractors & freelancers	$480.00	$950.00	$420.00		$1,850.00	20.7%	Yes	49	Jul	$2,360.70	$668.53
12	Professional fees	$180.00	$180.00	$180.00		$540.00	6.0%	Yes	50	Aug	$2,111.66	$1,262.00
13	Business insurance	$114.00	$114.00	$114.00		$342.00	3.8%	Yes	51	Sep	$2,022.83	$346.10
14	Home office & rent	$450.00	$450.00	$450.00		$1,350.00	15.1%	Yes	52	Oct
15	Phone & internet (business)	$165.00	$165.00	$110.00		$440.00	4.9%	Yes	53	Nov
16	Bank & card fees	$36.00	$36.00	$24.00		$96.00	1.1%	Yes	54	Dec
17	Licenses & taxes	$125.00				$125.00	1.4%	Yes	55
18	Shipping & postage	$31.87		$14.97		$46.84	0.5%	Yes	56
19	Education & training	$199.00				$199.00	2.2%	Yes	57
20	Other business expenses						0.0%	Yes	58
21
22
23
24
25	Total business expenses	$2,989.13	$3,655.21	$2,276.63		$8,920.97
26
27	THE YEAR IN NUMBERS
28	Business income	$23,911.43
29	Business expenses	$8,920.97
30	Profit (income less expenses)	$14,990.46
31	Tax-deductible expenses	$8,920.97
32	Taxable profit (income less deductible)	$14,990.46
33	Tax to set aside at Settings rate	$3,747.62
34	Receipts still to chase	3

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	R	S	T	U	V	W	X	Y	Z
1	Bills
2	Every commitment on one page, with its cost per year and a tick for each month you have paid it.
3																							9	← months started (helper)
4	Bill	Category	Amount	Frequency	First due month	Due day	Account	Notes	Cost per year	Cost per month	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	First mo #	Step	Due now	Unpaid now
5	Mortgage	Rent / mortgage	$1,690.00	Monthly	Jan	1	Everyday Checking		$20,280.00	$1,690.00	✓	✓	✓	✓	✓	✓	✓	✓	✓				1	1	1
6	Gym	Gym & memberships	$45.00	Monthly	Jan	1	Everyday Checking		$540.00	$45.00	✓	✓	✓	✓	✓	✓	✓		✓				1	1	1	1
7	Health insurance	Health insurance	$410.00	Monthly	Jan	3	Everyday Checking		$4,920.00	$410.00	✓	✓	✓	✓	✓	✓	✓	✓	✓				1	1	1
8	Netflix	Subscriptions	$15.49	Monthly	Jan	8	Everyday Checking		$185.88	$15.49	✓	✓	✓	✓	✓	✓	✓	✓	✓				1	1	1
9	Car insurance	Car insurance	$708.00	Twice a year	Jan	10	Everyday Checking	Renews January and July	$1,416.00	$118.00	✓						✓						1	6
10	Spotify	Subscriptions	$11.99	Monthly	Jan	10	Everyday Checking		$143.88	$11.99	✓	✓	✓	✓	✓	✓	✓	✓	✓				1	1	1
11	Internet & phone	Internet & phone	$129.00	Monthly	Jan	12	Everyday Checking		$1,548.00	$129.00	✓	✓	✓	✓	✓	✓	✓	✓	✓				1	1	1
12	iCloud	Subscriptions	$2.99	Monthly	Jan	14	Everyday Checking		$35.88	$2.99	✓	✓	✓	✓	✓	✓	✓	✓	✓				1	1	1
13	Home insurance	Home insurance	$1,152.00	Yearly	Mar	15	Everyday Checking	One payment a year	$1,152.00	$96.00			✓										3	12
14	Electricity & gas	Electricity & gas	$145.00	Monthly	Jan	18	Everyday Checking	Average — the bill moves with the season	$1,740.00	$145.00	✓	✓	✓	✓	✓	✓	✓	✓	✓				1	1	1
15	Water	Water	$128.00	Quarterly	Jan	20	Everyday Checking		$512.00	$42.67	✓			✓			✓						1	3
16	Car payment	Car payment	$340.00	Monthly	Jan	22	Everyday Checking		$4,080.00	$340.00	✓	✓	✓	✓	✓	✓	✓	✓					1	1	1
17	Adobe Creative Cloud	Software & subscriptions	$59.99	Monthly	Jan	5	Studio Checking	Studio	$719.88	$59.99	✓	✓	✓	✓	✓	✓	✓	✓	✓				1	1	1
18	Studio insurance	Business insurance	$38.00	Monthly	Jan	6	Studio Checking	Studio	$456.00	$38.00	✓	✓	✓	✓	✓	✓	✓	✓	✓				1	1	1
19	Accountant	Professional fees	$180.00	Quarterly	Jan	28	Studio Checking	Studio — quarterly bookkeeping	$720.00	$60.00	✓			✓			✓						1	3
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
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60
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63
64

	A	B	C	D	E	F	G	H	I	J	K	L	M
1	Goals
2	Name what you are saving for, and see the date it will really arrive.
3
4	Goal	Target	Target date	Already saved	Notes	Saved so far	Progress	Still to save	Months left	Needed per month	Saving per month (last 90 days)	Projected finish	Status
5	Emergency fund	$12,000.00	09/30/2027	$8,000.00	Four months of essentials	$10,000.00	83.3%	$2,000.00	12	$166.67	$250.00	05/19/2027	On track
6	Vacation — Portugal	$3,000.00	06/01/2027	$600.00	Two weeks, four people	$1,800.00	60.0%	$1,200.00	9	$133.33	$150.00	05/19/2027	On track
7	New laptop	$1,400.00	12/15/2026	$400.00	Studio machine	$1,000.00	71.4%	$400.00	3	$133.33	$75.00	03/19/2027	Behind

	A	B	C	D	E	F	G	H
1	Accounts
2	Every account you own, with a running balance from the figure you start with.
3
4	Account	Type	Opening balance	Notes	Income less spending	Transfers out	Moved in	Balance
5	Everyday Checking	Checking	$3,200.00		-$6,084.42	$900.00	$12,000.00	$8,215.58
6	Savings	Savings	$8,000.00		$141.97	$0.00	$3,800.00	$11,941.97
7	Cash Wallet	Cash	$120.00		$0.00	$0.00	$900.00	$1,020.00
8	Studio Checking	Checking	$2,400.00		$14,990.46	$12,000.00	$0.00	$5,390.46
9	Brokerage	Investment	$4,200.00		$0.00	$0.00	$900.00	$5,100.00
10	401(k)	Investment	$46,500.00		$0.00	$0.00	$2,700.00	$49,200.00
11	Home	Property	$285,000.00		$0.00	$0.00	$0.00	$285,000.00
12	Car	Vehicle	$14,000.00		$0.00	$0.00	$0.00	$14,000.00

	A	B	C	D	E	F	G	H	I	J	K	L
1	Debts
2	What you owe, what it costs, and the order that clears it fastest.
3
4	Debt	Type	Balance owed	Interest rate (APR)	Minimum payment	Notes	Interest this month	Months at the minimum	Debt-free date	Interest at the minimum	Snowball order	Avalanche order
5	Mortgage	Mortgage	$212,400.00	6.25%	$1,690.00		$1,106.25	205	10/19/2043	$133,423.28	4	3
6	Student loan	Student Loan	$14,800.00	5.50%	$220.00		$67.83	81	06/19/2033	$2,935.78	3	4
7	Car loan	Car Loan	$9,600.00	6.90%	$340.00		$55.20	31	04/19/2029	$905.54	2	2
8	Visa card	Credit Card	$2,150.00	21.90%	$65.00		$39.24	52	01/19/2031	$1,176.17	1	1

	A	B	C	D	E	F	G	H	I	J	K
1	Categories
2	Your master list. Rename, add or delete lines here and every other tab follows, row for row.
3
4	Category	Group	Bucket	Ledger	Tax deductible	Plan (year)	Plan to date	Actual to date	Difference	Biz #	Rank key
5	Salary — main	Income		Personal	No	$58,800	$44,100	$41,650	-$2,450
6	Salary — second	Income		Personal	No	$13,800	$10,350	$10,350	$0
7	Side income	Income		Personal	No	$0	$0	$0	$0
8	Bonus & commission	Income		Personal	No	$1,500	$0	$0	$0
9	Interest & dividends	Income		Personal	No	$216	$162	$142	-$20
10	Refunds & other	Income		Personal	No	$1,200	$1,200	$1,240	$40
11	Sales & client payments	Income		Business	No	$36,000	$27,000	$23,911	-$3,089
12	Other business income	Income		Business	No	$0	$0	$0	$0
13	Rent / mortgage	Fixed Expenses	Needs	Personal	No	$20,280	$15,210	$15,210	$0		15210.000013
14	Property tax & fees	Fixed Expenses	Needs	Personal	No	$2,760	$1,380	$1,380	$0		1380.000014
15	Electricity & gas	Fixed Expenses	Needs	Personal	No	$1,605	$1,195	$1,204	-$9		1204.000015
16	Water	Fixed Expenses	Needs	Personal	No	$512	$384	$384	$0		384.000016
17	Internet & phone	Fixed Expenses	Needs	Personal	No	$1,548	$1,161	$1,161	$0		1161.000017
18	Home insurance	Fixed Expenses	Needs	Personal	No	$1,152	$1,152	$1,152	$0		1152.000018
19	Health insurance	Fixed Expenses	Needs	Personal	No	$4,920	$3,690	$3,690	$0		3690.000019
20	Car insurance	Fixed Expenses	Needs	Personal	No	$1,416	$1,416	$1,416	$0		1416.000020
21	Car payment	Fixed Expenses	Needs	Personal	No	$4,080	$3,060	$2,720	$340		2720.000021
22	Childcare & school	Fixed Expenses	Needs	Personal	No	$4,460	$3,410	$3,410	$0		3410.000022
23	Subscriptions	Fixed Expenses	Wants	Personal	No	$366	$274	$274	$0		274.230023
24	Gym & memberships	Fixed Expenses	Wants	Personal	No	$540	$405	$405	$0		405.000024
25	Groceries	Variable Expenses	Needs	Personal	No	$9,840	$7,380	$5,079	$2,301		5078.730025
26	Dining out & coffee	Variable Expenses	Wants	Personal	No	$3,120	$2,340	$1,443	$897		1443.310026
27	Fuel & transport	Variable Expenses	Needs	Personal	No	$1,800	$1,350	$1,412	-$62		1412.220027
28	Car maintenance	Variable Expenses	Needs	Personal	No	$1,080	$810	$691	$119		691.000028
29	Household & repairs	Variable Expenses	Needs	Personal	No	$1,320	$990	$1,234	-$244		1233.900029
30	Health & pharmacy	Variable Expenses	Needs	Personal	No	$720	$540	$458	$82		457.720030
31	Personal care	Variable Expenses	Wants	Personal	No	$660	$495	$414	$81		414.100031
32	Clothing	Variable Expenses	Wants	Personal	No	$1,080	$810	$949	-$139		949.250032
33	Entertainment	Variable Expenses	Wants	Personal	No	$840	$630	$707	-$77		706.800033
34	Travel & holidays	Variable Expenses	Wants	Personal	No	$2,100	$1,700	$1,700	$0		1700.000034
35	Gifts & celebrations	Variable Expenses	Wants	Personal	No	$670	$320	$311	$9		311.000035
36	Pets	Variable Expenses	Wants	Personal	No	$720	$540	$732	-$192		732.000036
37	Education & books	Variable Expenses	Wants	Personal	No	$360	$270	$148	$122		148.190037
38	Charity	Variable Expenses	Wants	Personal	Yes	$300	$225	$225	$0		225.000038
39	Everything else	Variable Expenses	Wants	Personal	No	$720	$540	$235	$305		234.970039
40	Emergency fund	Savings & Investments	Savings	Personal	No	$3,000	$2,250	$2,000	-$250
41	Retirement	Savings & Investments	Savings	Personal	No	$3,600	$2,700	$2,700	$0
42	Investments	Savings & Investments	Savings	Personal	No	$1,200	$900	$900	$0
43	Sinking funds	Savings & Investments	Savings	Personal	No	$2,700	$2,025	$1,800	-$225
44	Credit card payment	Debt Payments	Savings	Personal	No	$2,400	$1,800	$1,800	$0		1800.000044
45	Student loan	Debt Payments	Savings	Personal	No	$2,640	$1,980	$1,980	$0		1980.000045
46	Other loan	Debt Payments	Savings	Personal	No	$0	$0	$0	$0
47	Advertising & marketing	Business Expenses		Business	Yes	$2,160	$1,620	$1,100	$520	1	1100.000047
48	Software & subscriptions	Business Expenses		Business	Yes	$1,020	$765	$765	$0	2	764.910048
49	Office supplies	Business Expenses		Business	Yes	$480	$360	$207	$153	3	207.380049
50	Equipment & tools	Business Expenses		Business	Yes	$1,200	$900	$518	$382	4	518.000050
51	Travel & mileage	Business Expenses		Business	Yes	$720	$540	$962	-$422	5	961.870051
52	Meals & entertainment	Business Expenses		Business	Yes	$720	$540	$380	$160	6	379.970052
53	Contractors & freelancers	Business Expenses		Business	Yes	$4,800	$3,600	$1,850	$1,750	7	1850.000053
54	Professional fees	Business Expenses		Business	Yes	$720	$540	$540	$0	8	540.000054
55	Business insurance	Business Expenses		Business	Yes	$456	$342	$342	$0	9	342.000055
56	Home office & rent	Business Expenses		Business	Yes	$1,800	$1,350	$1,350	$0	10	1350.000056
57	Phone & internet (business)	Business Expenses		Business	Yes	$660	$495	$440	$55	11	440.000057
58	Bank & card fees	Business Expenses		Business	Yes	$144	$108	$96	$12	12	96.000058
59	Licenses & taxes	Business Expenses		Business	Yes	$125	$125	$125	$0	13	125.000059
60	Shipping & postage	Business Expenses		Business	Yes	$240	$180	$47	$133	14	46.840060
61	Education & training	Business Expenses		Business	Yes	$720	$540	$199	$341	15	199.000061
62	Other business expenses	Business Expenses		Business	Yes	$0	$0	$0	$0	16
63	Transfer between accounts	Transfers		Personal	No	$0	$0	$12,900	$0

	A	B	C
1	Settings
2	Set these once. Yellow cells are yours; the rest is calculated.
3
4	ABOUT
5	Budget name	The Carter Household	Printed in the title of your reports, for example The Smith Household.
6	Your name	Jamie Carter
7	Business name	Carter Studio	Used on the Business tab. Leave empty if you have none.
8
9	THE YEAR
10	Year	2026	The year Actual, Difference and the Dashboard look at. Type a number to lock it, or leave the formula to follow today's date.
11	Months of the year started	9	Calculated. Decides which months count as year to date.
12	Savings-rate goal	20%	Saved as a share of income. Twenty percent is a common target.
13
14	THE 50/30/20 SPLIT
15	Needs	50%	Rent, bills, groceries, insurance: what you must pay.
16	Wants	30%	Everything that makes the week worth living.
17	Savings	20%	Saving, investing and paying down debt.
18	Check	Adds up to 100%	Presets are on the Lists tab.
19	Pin monthly income (optional)		Leave empty to measure against the income you actually recorded (or the plan, before the month has any).
20
21	BUSINESS
22	Estimated tax rate	25%	Used on the Business tab to suggest what to set aside. A planning estimate, not tax advice.
23	Ask for a receipt from	$25	Tax-deductible spending at or above this amount stays flagged until Receipt kept? says Yes.
24
25	Currency: the workbook shows dollars. To change it, select the whole sheet and use Format > Number > Currency (Sheets) or Format Cells > Currency (Excel).

	A	B	C	D	E	F	G	H	I	J	K	L	M	O	P	Q	R	T
1	Group	Bucket	Ledger	Yes / No	Account type	Payment method	Frequency	Per year	Step (months)	Debt type	Paid tick	Month	Ledger view	50/30/20 presets	Needs	Wants	Savings	Grey lists are read by name in the formulas, so leave them as they are. Yellow lists are yours: add account types, payment methods and debt types below the last entry, then extend the range if you run out.
2	Income	Needs	Personal	Yes	Checking	Card	Monthly	12	1	Credit Card	✓	Jan	All	Balanced 50/30/20	50%	30%	20%
3	Fixed Expenses	Wants	Business	No	Savings	Cash	Every 2 months	6	2	Student Loan		Feb	Personal	High cost of living 60/20/20	60%	20%	20%	The presets are for reference: type the three shares you like into Settings.
4	Variable Expenses	Savings			Cash	Bank Transfer	Quarterly	4	3	Car Loan		Mar	Business	Aggressive saver 50/20/30	50%	20%	30%
5	Savings & Investments				Credit Card	Direct Debit	Twice a year	2	6	Mortgage		Apr		Debt crush 55/15/30	55%	15%	30%
6	Debt Payments				Investment	Check	Yearly	1	12	Personal Loan		May
7	Business Expenses				Property	Other	Weekly	52	1	Medical		Jun
8	Transfers				Vehicle		Every 2 weeks	26	1	Other		Jul
9					Other							Aug
10												Sep
11												Oct
12												Nov
13												Dec