I need a clean, ready-to-use personal finance template built entirely in Google Sheets. I’ll be entering figures manually, so please keep the structure free of automated calculations, scripts, or complex formulas. Straightforward SUM totals are fine, but nothing that auto-compares income to expenses or tracks investments in the background. Design the sheet so it’s easy for me to log income and outgoings, view monthly or category-level totals at a glance, and expand sections later if my tracking needs grow. Consistent formatting, clear headings, and intuitive color coding will help me stay organized. Deliverables • A share-ready Google Sheets file that I can copy to my Drive • Brief inline notes explaining where and how to input data