A complete money system in one spreadsheet — not just a bill tracker. Track every bill, see exactly where your money goes, and never miss a payment again. Works in Excel, Google Sheets and Apple Numbers.Who it's for: anyone juggling a dozen different bills and due dates who wants one place that shows what's paid, what's owed, and what's coming.What's inside — 8 connected tabs: Dashboard — live totals + charts (spend by category, payments by month, paid vs outstanding). Bill Tracker — every bill with automatic Paid / Due / Overdue status and a 12-month paid grid. Payment Schedule, Monthly View, Income vs Bills, Annual Trends, plus Setup & Guide. Bonus — interactive Visual Dashboard (.html): open it in any browser, drag your saved sheet onto it, and see cleaner charts. Runs entirely on your device.Instant download. A .zip with the spreadsheet, the visual dashboard and a quick-start guide. Works in Excel, Google Sheets and Numbers.Created with AI assistance; designed, edited and finalised by Method Lane. Digital download for personal use — non-refundable once downloaded; your statutory rights are unaffected.