Bank statement Excel template

SUMMARY BY CATEGORY AND MONTH
Yellow cells = you type · blue cells = calculated (do not overwrite) · example rows are fictional — replace them.
First month	Aug 2026

Category	Aug 2026	Sep 2026	Oct 2026	Nov 2026	Dec 2026	Jan 2027	Feb 2027	Mar 2027	Apr 2027	May 2027	Jun 2027	Jul 2027	Total
Salary	-	-	-	-	-	-	-	-	-	-	-	-	-
Business income	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest & fees	-	-	-	-	-	-	-	-	-	-	-	-	-
Rent	-	-	-	-	-	-	-	-	-	-	-	-	-
Utilities	-	-	-	-	-	-	-	-	-	-	-	-	-
Groceries	-	-	-	-	-	-	-	-	-	-	-	-	-
Transport	-	-	-	-	-	-	-	-	-	-	-	-	-
Subscriptions	-	-	-	-	-	-	-	-	-	-	-	-	-
Shopping	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash	-	-	-	-	-	-	-	-	-	-	-	-	-
Savings	-	-	-	-	-	-	-	-	-	-	-	-	-
Uncategorized	IF($A17="",0,SUMIFS(Transactions!$G$6:$G$405,Transactions!$H$6:$H$405,$A17,Transactions!$I$6:$I$405,B$5))	IF($A17="",0,SUMIFS(Transactions!$G$6:$G$405,Transactions!$H$6:$H$405,$A17,Transactions!$I$6:$I$405,C$5))	-	-	-	-	-	-	-	-	-	-	SUM(B17:M17)
	-	-	-	-	-	-	-	-	-	-	-	-	-
	-	-	-	-	-	-	-	-	-	-	-	-	-
	-	-	-	-	-	-	-	-	-	-	-	-	-
	-	-	-	-	-	-	-	-	-	-	-	-	-
	-	-	-	-	-	-	-	-	-	-	-	-	-
	-	-	-	-	-	-	-	-	-	-	-	-	-
	-	-	-	-	-	-	-	-	-	-	-	-	-
	-	-	-	-	-	-	-	-	-	-	-	-	-
Money in	SUMIFS(Transactions!$G$6:$G$405,Transactions!$I$6:$I$405,B$5,Transactions!$G$6:$G$405,">0")	SUMIFS(Transactions!$G$6:$G$405,Transactions!$I$6:$I$405,C$5,Transactions!$G$6:$G$405,">0")	-	-	-	-	-	-	-	-	-	-	SUM(B26:M26)
Money out	-SUMIFS(Transactions!$G$6:$G$405,Transactions!$I$6:$I$405,B$5,Transactions!$G$6:$G$405,"<0")	-SUMIFS(Transactions!$G$6:$G$405,Transactions!$I$6:$I$405,C$5,Transactions!$G$6:$G$405,"<0")	-	-	-	-	-	-	-	-	-	-	SUM(B27:M27)
Net	B26-B27	C26-C27	-	-	-	-	-	-	-	-	-	-	N26-N27
In categories above	SUM(B6:B25)	SUM(C6:C25)	-	-	-	-	-	-	-	-	-	-	SUM(N6:N25)
Check (net = categories)	IF(ABS(B28-B29)<0.005,"OK","CHECK")	IF(ABS(C28-C29)<0.005,"OK","CHECK")	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	IF(ABS(N28-N29)<0.005,"OK","CHECK")

Categories: type them in column A (same spelling as on the Rules sheet). "Uncategorized" collects lines no rule matched.
© Layers (layers.md) · CC BY 4.0 · Free template. Check figures against your own rules and advisers.

TRANSACTIONS — paste your bank / system export here (columns A–E)
Yellow cells = you type · blue cells = calculated (do not overwrite) · example rows are fictional — replace them.
Opening balance	3,250.00	Paste only the values (Ctrl+Shift+V). Use either Debit/Credit columns or one signed Amount column.

Date	Description (as in the export)	Debit (money out)	Credit (money in)	Amount (+/−)	Signed amount	Category	Month	Running balance	Check
2026-08-01	PAYROLL ACME CORP AUG		4,200.00		IF(AND(C6="",D6="",E6=""),"",IF(E6<>"",N(E6),N(D6)-N(C6)))	Uncategorized	Aug 2026	IF(G6="",$B$3,$B$3+G6)	IF(AND(A6="",G6<>""),"no date",IF(AND(G6="",B6<>""),"no amount",IF(H6="Uncategorized","add a rule","")))
2026-08-02	RENT AUGUST - LANDLORD	1,500.00			IF(AND(C7="",D7="",E7=""),"",IF(E7<>"",N(E7),N(D7)-N(C7)))	Uncategorized	Aug 2026	IF(G7="",J6,J6+G7)	IF(AND(A7="",G7<>""),"no date",IF(AND(G7="",B7<>""),"no amount",IF(H7="Uncategorized","add a rule","")))
2026-08-05	SUPERMARKET FRESHMART 0045	132.40			IF(AND(C8="",D8="",E8=""),"",IF(E8<>"",N(E8),N(D8)-N(C8)))	Uncategorized	Aug 2026	IF(G8="",J7,J7+G8)	IF(AND(A8="",G8<>""),"no date",IF(AND(G8="",B8<>""),"no amount",IF(H8="Uncategorized","add a rule","")))
2026-08-08	ELECTRIC CO AUTOPAY	88.10			IF(AND(C9="",D9="",E9=""),"",IF(E9<>"",N(E9),N(D9)-N(C9)))	Uncategorized	Aug 2026	IF(G9="",J8,J8+G9)	IF(AND(A9="",G9<>""),"no date",IF(AND(G9="",B9<>""),"no amount",IF(H9="Uncategorized","add a rule","")))
2026-08-12	UBER TRIP	18.50			IF(AND(C10="",D10="",E10=""),"",IF(E10<>"",N(E10),N(D10)-N(C10)))	Uncategorized	Aug 2026	IF(G10="",J9,J9+G10)	IF(AND(A10="",G10<>""),"no date",IF(AND(G10="",B10<>""),"no amount",IF(H10="Uncategorized","add a rule","")))
2026-08-15	TRANSFER TO SAVINGS	400.00			IF(AND(C11="",D11="",E11=""),"",IF(E11<>"",N(E11),N(D11)-N(C11)))	Uncategorized	Aug 2026	IF(G11="",J10,J10+G11)	IF(AND(A11="",G11<>""),"no date",IF(AND(G11="",B11<>""),"no amount",IF(H11="Uncategorized","add a rule","")))
2026-08-20	NETFLIX.COM	15.49			IF(AND(C12="",D12="",E12=""),"",IF(E12<>"",N(E12),N(D12)-N(C12)))	Uncategorized	Aug 2026	IF(G12="",J11,J11+G12)	IF(AND(A12="",G12<>""),"no date",IF(AND(G12="",B12<>""),"no amount",IF(H12="Uncategorized","add a rule","")))
2026-08-27	ATM WITHDRAWAL 7731	100.00			IF(AND(C13="",D13="",E13=""),"",IF(E13<>"",N(E13),N(D13)-N(C13)))	Uncategorized	Aug 2026	IF(G13="",J12,J12+G13)	IF(AND(A13="",G13<>""),"no date",IF(AND(G13="",B13<>""),"no amount",IF(H13="Uncategorized","add a rule","")))
2026-09-01	PAYROLL ACME CORP SEP		4,200.00		IF(AND(C14="",D14="",E14=""),"",IF(E14<>"",N(E14),N(D14)-N(C14)))	Uncategorized	Sep 2026	IF(G14="",J13,J13+G14)	IF(AND(A14="",G14<>""),"no date",IF(AND(G14="",B14<>""),"no amount",IF(H14="Uncategorized","add a rule","")))
2026-09-02	RENT SEPTEMBER - LANDLORD	1,500.00			IF(AND(C15="",D15="",E15=""),"",IF(E15<>"",N(E15),N(D15)-N(C15)))	Uncategorized	Sep 2026	IF(G15="",J14,J14+G15)	IF(AND(A15="",G15<>""),"no date",IF(AND(G15="",B15<>""),"no amount",IF(H15="Uncategorized","add a rule","")))
2026-09-06	SUPERMARKET FRESHMART 0045	154.90			IF(AND(C16="",D16="",E16=""),"",IF(E16<>"",N(E16),N(D16)-N(C16)))	Uncategorized	Sep 2026	IF(G16="",J15,J15+G16)	IF(AND(A16="",G16<>""),"no date",IF(AND(G16="",B16<>""),"no amount",IF(H16="Uncategorized","add a rule","")))
2026-09-09	ELECTRIC CO AUTOPAY	92.70			IF(AND(C17="",D17="",E17=""),"",IF(E17<>"",N(E17),N(D17)-N(C17)))	Uncategorized	Sep 2026	IF(G17="",J16,J16+G17)	IF(AND(A17="",G17<>""),"no date",IF(AND(G17="",B17<>""),"no amount",IF(H17="Uncategorized","add a rule","")))
2026-09-14	AMAZON MKTPLACE	63.20			IF(AND(C18="",D18="",E18=""),"",IF(E18<>"",N(E18),N(D18)-N(C18)))	Uncategorized	Sep 2026	IF(G18="",J17,J17+G18)	IF(AND(A18="",G18<>""),"no date",IF(AND(G18="",B18<>""),"no amount",IF(H18="Uncategorized","add a rule","")))
2026-09-18	INTEREST PAID		1.85		IF(AND(C19="",D19="",E19=""),"",IF(E19<>"",N(E19),N(D19)-N(C19)))	Uncategorized	Sep 2026	IF(G19="",J18,J18+G19)	IF(AND(A19="",G19<>""),"no date",IF(AND(G19="",B19<>""),"no amount",IF(H19="Uncategorized","add a rule","")))
2026-09-20	NETFLIX.COM	15.49			IF(AND(C20="",D20="",E20=""),"",IF(E20<>"",N(E20),N(D20)-N(C20)))	Uncategorized	Sep 2026	IF(G20="",J19,J19+G20)	IF(AND(A20="",G20<>""),"no date",IF(AND(G20="",B20<>""),"no amount",IF(H20="Uncategorized","add a rule","")))
2026-09-25	CLIENT PAYMENT INV-118		650.00		IF(AND(C21="",D21="",E21=""),"",IF(E21<>"",N(E21),N(D21)-N(C21)))	Uncategorized	Sep 2026	IF(G21="",J20,J20+G21)	IF(AND(A21="",G21<>""),"no date",IF(AND(G21="",B21<>""),"no amount",IF(H21="Uncategorized","add a rule","")))
2026-09-28	MONTHLY SERVICE FEE	5.00			IF(AND(C22="",D22="",E22=""),"",IF(E22<>"",N(E22),N(D22)-N(C22)))	Uncategorized	Sep 2026	IF(G22="",J21,J21+G22)	IF(AND(A22="",G22<>""),"no date",IF(AND(G22="",B22<>""),"no amount",IF(H22="Uncategorized","add a rule","")))
								IF(G23="",J22,J22+G23)
								IF(G24="",J23,J23+G24)
								IF(G25="",J24,J24+G25)
								IF(G26="",J25,J25+G26)
								IF(G27="",J26,J26+G27)
								IF(G28="",J27,J27+G28)
								IF(G29="",J28,J28+G29)
								IF(G30="",J29,J29+G30)
								IF(G31="",J30,J30+G31)
								IF(G32="",J31,J31+G32)
								IF(G33="",J32,J32+G33)
								IF(G34="",J33,J33+G34)
								IF(G35="",J34,J34+G35)
								IF(G36="",J35,J35+G36)
								IF(G37="",J36,J36+G37)
								IF(G38="",J37,J37+G38)
								IF(G39="",J38,J38+G39)
								IF(G40="",J39,J39+G40)
								IF(G41="",J40,J40+G41)
								IF(G42="",J41,J41+G42)
								IF(G43="",J42,J42+G43)
								IF(G44="",J43,J43+G44)
								IF(G45="",J44,J44+G45)
								IF(G46="",J45,J45+G46)
								IF(G47="",J46,J46+G47)
								IF(G48="",J47,J47+G48)
								IF(G49="",J48,J48+G49)
								IF(G50="",J49,J49+G50)
								IF(G51="",J50,J50+G51)
								IF(G52="",J51,J51+G52)
								IF(G53="",J52,J52+G53)
								IF(G54="",J53,J53+G54)
								IF(G55="",J54,J54+G55)
								IF(G56="",J55,J55+G56)
								IF(G57="",J56,J56+G57)
								IF(G58="",J57,J57+G58)
								IF(G59="",J58,J58+G59)
								IF(G60="",J59,J59+G60)
								IF(G61="",J60,J60+G61)
								IF(G62="",J61,J61+G62)
								IF(G63="",J62,J62+G63)
								IF(G64="",J63,J63+G64)
								IF(G65="",J64,J64+G65)
								IF(G66="",J65,J65+G66)
								IF(G67="",J66,J66+G67)
								IF(G68="",J67,J67+G68)
								IF(G69="",J68,J68+G69)
								IF(G70="",J69,J69+G70)
								IF(G71="",J70,J70+G71)
								IF(G72="",J71,J71+G72)
								IF(G73="",J72,J72+G73)
								IF(G74="",J73,J73+G74)
								IF(G75="",J74,J74+G75)
								IF(G76="",J75,J75+G76)
								IF(G77="",J76,J76+G77)
								IF(G78="",J77,J77+G78)
								IF(G79="",J78,J78+G79)
								IF(G80="",J79,J79+G80)
								IF(G81="",J80,J80+G81)
								IF(G82="",J81,J81+G82)
								IF(G83="",J82,J82+G83)
								IF(G84="",J83,J83+G84)
								IF(G85="",J84,J84+G85)
								IF(G86="",J85,J85+G86)
								IF(G87="",J86,J86+G87)
								IF(G88="",J87,J87+G88)
								IF(G89="",J88,J88+G89)
								IF(G90="",J89,J89+G90)
								IF(G91="",J90,J90+G91)
								IF(G92="",J91,J91+G92)
								IF(G93="",J92,J92+G93)
								IF(G94="",J93,J93+G94)
								IF(G95="",J94,J94+G95)
								IF(G96="",J95,J95+G96)
								IF(G97="",J96,J96+G97)
								IF(G98="",J97,J97+G98)
								IF(G99="",J98,J98+G99)
								IF(G100="",J99,J99+G100)
								IF(G101="",J100,J100+G101)
								IF(G102="",J101,J101+G102)
								IF(G103="",J102,J102+G103)
								IF(G104="",J103,J103+G104)
								IF(G105="",J104,J104+G105)
								IF(G106="",J105,J105+G106)
								IF(G107="",J106,J106+G107)
								IF(G108="",J107,J107+G108)
								IF(G109="",J108,J108+G109)
								IF(G110="",J109,J109+G110)
								IF(G111="",J110,J110+G111)
								IF(G112="",J111,J111+G112)
								IF(G113="",J112,J112+G113)
								IF(G114="",J113,J113+G114)
								IF(G115="",J114,J114+G115)
								IF(G116="",J115,J115+G116)
								IF(G117="",J116,J116+G117)
								IF(G118="",J117,J117+G118)
								IF(G119="",J118,J118+G119)
								IF(G120="",J119,J119+G120)
								IF(G121="",J120,J120+G121)
								IF(G122="",J121,J121+G122)
								IF(G123="",J122,J122+G123)
								IF(G124="",J123,J123+G124)
								IF(G125="",J124,J124+G125)
								IF(G126="",J125,J125+G126)
								IF(G127="",J126,J126+G127)
								IF(G128="",J127,J127+G128)
								IF(G129="",J128,J128+G129)
								IF(G130="",J129,J129+G130)
								IF(G131="",J130,J130+G131)
								IF(G132="",J131,J131+G132)
								IF(G133="",J132,J132+G133)
								IF(G134="",J133,J133+G134)
								IF(G135="",J134,J134+G135)
								IF(G136="",J135,J135+G136)
								IF(G137="",J136,J136+G137)
								IF(G138="",J137,J137+G138)
								IF(G139="",J138,J138+G139)
								IF(G140="",J139,J139+G140)
								IF(G141="",J140,J140+G141)
								IF(G142="",J141,J141+G142)
								IF(G143="",J142,J142+G143)
								IF(G144="",J143,J143+G144)
								IF(G145="",J144,J144+G145)
								IF(G146="",J145,J145+G146)
								IF(G147="",J146,J146+G147)
								IF(G148="",J147,J147+G148)
								IF(G149="",J148,J148+G149)
								IF(G150="",J149,J149+G150)
								IF(G151="",J150,J150+G151)
								IF(G152="",J151,J151+G152)
								IF(G153="",J152,J152+G153)
								IF(G154="",J153,J153+G154)
								IF(G155="",J154,J154+G155)
								IF(G156="",J155,J155+G156)
								IF(G157="",J156,J156+G157)
								IF(G158="",J157,J157+G158)
								IF(G159="",J158,J158+G159)
								IF(G160="",J159,J159+G160)
								IF(G161="",J160,J160+G161)
								IF(G162="",J161,J161+G162)
								IF(G163="",J162,J162+G163)
								IF(G164="",J163,J163+G164)
								IF(G165="",J164,J164+G165)
								IF(G166="",J165,J165+G166)
								IF(G167="",J166,J166+G167)
								IF(G168="",J167,J167+G168)
								IF(G169="",J168,J168+G169)
								IF(G170="",J169,J169+G170)
								IF(G171="",J170,J170+G171)
								IF(G172="",J171,J171+G172)
								IF(G173="",J172,J172+G173)
								IF(G174="",J173,J173+G174)
								IF(G175="",J174,J174+G175)
								IF(G176="",J175,J175+G176)
								IF(G177="",J176,J176+G177)
								IF(G178="",J177,J177+G178)
								IF(G179="",J178,J178+G179)
								IF(G180="",J179,J179+G180)
								IF(G181="",J180,J180+G181)
								IF(G182="",J181,J181+G182)
								IF(G183="",J182,J182+G183)
								IF(G184="",J183,J183+G184)
								IF(G185="",J184,J184+G185)
								IF(G186="",J185,J185+G186)
								IF(G187="",J186,J186+G187)
								IF(G188="",J187,J187+G188)
								IF(G189="",J188,J188+G189)
								IF(G190="",J189,J189+G190)
								IF(G191="",J190,J190+G191)
								IF(G192="",J191,J191+G192)
								IF(G193="",J192,J192+G193)
								IF(G194="",J193,J193+G194)
								IF(G195="",J194,J194+G195)
								IF(G196="",J195,J195+G196)
								IF(G197="",J196,J196+G197)
								IF(G198="",J197,J197+G198)
								IF(G199="",J198,J198+G199)
								IF(G200="",J199,J199+G200)
								IF(G201="",J200,J200+G201)
								IF(G202="",J201,J201+G202)
								IF(G203="",J202,J202+G203)
								IF(G204="",J203,J203+G204)
								IF(G205="",J204,J204+G205)
								IF(G206="",J205,J205+G206)
								IF(G207="",J206,J206+G207)
								IF(G208="",J207,J207+G208)
								IF(G209="",J208,J208+G209)
								IF(G210="",J209,J209+G210)
								IF(G211="",J210,J210+G211)
								IF(G212="",J211,J211+G212)
								IF(G213="",J212,J212+G213)
								IF(G214="",J213,J213+G214)
								IF(G215="",J214,J214+G215)
								IF(G216="",J215,J215+G216)
								IF(G217="",J216,J216+G217)
								IF(G218="",J217,J217+G218)
								IF(G219="",J218,J218+G219)
								IF(G220="",J219,J219+G220)
								IF(G221="",J220,J220+G221)
								IF(G222="",J221,J221+G222)
								IF(G223="",J222,J222+G223)
								IF(G224="",J223,J223+G224)
								IF(G225="",J224,J224+G225)
								IF(G226="",J225,J225+G226)
								IF(G227="",J226,J226+G227)
								IF(G228="",J227,J227+G228)
								IF(G229="",J228,J228+G229)
								IF(G230="",J229,J229+G230)
								IF(G231="",J230,J230+G231)
								IF(G232="",J231,J231+G232)
								IF(G233="",J232,J232+G233)
								IF(G234="",J233,J233+G234)
								IF(G235="",J234,J234+G235)
								IF(G236="",J235,J235+G236)
								IF(G237="",J236,J236+G237)
								IF(G238="",J237,J237+G238)
								IF(G239="",J238,J238+G239)
								IF(G240="",J239,J239+G240)
								IF(G241="",J240,J240+G241)
								IF(G242="",J241,J241+G242)
								IF(G243="",J242,J242+G243)
								IF(G244="",J243,J243+G244)
								IF(G245="",J244,J244+G245)
								IF(G246="",J245,J245+G246)
								IF(G247="",J246,J246+G247)
								IF(G248="",J247,J247+G248)
								IF(G249="",J248,J248+G249)
								IF(G250="",J249,J249+G250)
								IF(G251="",J250,J250+G251)
								IF(G252="",J251,J251+G252)
								IF(G253="",J252,J252+G253)
								IF(G254="",J253,J253+G254)
								IF(G255="",J254,J254+G255)
								IF(G256="",J255,J255+G256)
								IF(G257="",J256,J256+G257)
								IF(G258="",J257,J257+G258)
								IF(G259="",J258,J258+G259)
								IF(G260="",J259,J259+G260)
								IF(G261="",J260,J260+G261)
								IF(G262="",J261,J261+G262)
								IF(G263="",J262,J262+G263)
								IF(G264="",J263,J263+G264)
								IF(G265="",J264,J264+G265)
								IF(G266="",J265,J265+G266)
								IF(G267="",J266,J266+G267)
								IF(G268="",J267,J267+G268)
								IF(G269="",J268,J268+G269)
								IF(G270="",J269,J269+G270)
								IF(G271="",J270,J270+G271)
								IF(G272="",J271,J271+G272)
								IF(G273="",J272,J272+G273)
								IF(G274="",J273,J273+G274)
								IF(G275="",J274,J274+G275)
								IF(G276="",J275,J275+G276)
								IF(G277="",J276,J276+G277)
								IF(G278="",J277,J277+G278)
								IF(G279="",J278,J278+G279)
								IF(G280="",J279,J279+G280)
								IF(G281="",J280,J280+G281)
								IF(G282="",J281,J281+G282)
								IF(G283="",J282,J282+G283)
								IF(G284="",J283,J283+G284)
								IF(G285="",J284,J284+G285)
								IF(G286="",J285,J285+G286)
								IF(G287="",J286,J286+G287)
								IF(G288="",J287,J287+G288)
								IF(G289="",J288,J288+G289)
								IF(G290="",J289,J289+G290)
								IF(G291="",J290,J290+G291)
								IF(G292="",J291,J291+G292)
								IF(G293="",J292,J292+G293)
								IF(G294="",J293,J293+G294)
								IF(G295="",J294,J294+G295)
								IF(G296="",J295,J295+G296)
								IF(G297="",J296,J296+G297)
								IF(G298="",J297,J297+G298)
								IF(G299="",J298,J298+G299)
								IF(G300="",J299,J299+G300)
								IF(G301="",J300,J300+G301)
								IF(G302="",J301,J301+G302)
								IF(G303="",J302,J302+G303)
								IF(G304="",J303,J303+G304)
								IF(G305="",J304,J304+G305)
								IF(G306="",J305,J305+G306)
								IF(G307="",J306,J306+G307)
								IF(G308="",J307,J307+G308)
								IF(G309="",J308,J308+G309)
								IF(G310="",J309,J309+G310)
								IF(G311="",J310,J310+G311)
								IF(G312="",J311,J311+G312)
								IF(G313="",J312,J312+G313)
								IF(G314="",J313,J313+G314)
								IF(G315="",J314,J314+G315)
								IF(G316="",J315,J315+G316)
								IF(G317="",J316,J316+G317)
								IF(G318="",J317,J317+G318)
								IF(G319="",J318,J318+G319)
								IF(G320="",J319,J319+G320)
								IF(G321="",J320,J320+G321)
								IF(G322="",J321,J321+G322)
								IF(G323="",J322,J322+G323)
								IF(G324="",J323,J323+G324)
								IF(G325="",J324,J324+G325)
								IF(G326="",J325,J325+G326)
								IF(G327="",J326,J326+G327)
								IF(G328="",J327,J327+G328)
								IF(G329="",J328,J328+G329)
								IF(G330="",J329,J329+G330)
								IF(G331="",J330,J330+G331)
								IF(G332="",J331,J331+G332)
								IF(G333="",J332,J332+G333)
								IF(G334="",J333,J333+G334)
								IF(G335="",J334,J334+G335)
								IF(G336="",J335,J335+G336)
								IF(G337="",J336,J336+G337)
								IF(G338="",J337,J337+G338)
								IF(G339="",J338,J338+G339)
								IF(G340="",J339,J339+G340)
								IF(G341="",J340,J340+G341)
								IF(G342="",J341,J341+G342)
								IF(G343="",J342,J342+G343)
								IF(G344="",J343,J343+G344)
								IF(G345="",J344,J344+G345)
								IF(G346="",J345,J345+G346)
								IF(G347="",J346,J346+G347)
								IF(G348="",J347,J347+G348)
								IF(G349="",J348,J348+G349)
								IF(G350="",J349,J349+G350)
								IF(G351="",J350,J350+G351)
								IF(G352="",J351,J351+G352)
								IF(G353="",J352,J352+G353)
								IF(G354="",J353,J353+G354)
								IF(G355="",J354,J354+G355)
								IF(G356="",J355,J355+G356)
								IF(G357="",J356,J356+G357)
								IF(G358="",J357,J357+G358)
								IF(G359="",J358,J358+G359)
								IF(G360="",J359,J359+G360)
								IF(G361="",J360,J360+G361)
								IF(G362="",J361,J361+G362)
								IF(G363="",J362,J362+G363)
								IF(G364="",J363,J363+G364)
								IF(G365="",J364,J364+G365)
								IF(G366="",J365,J365+G366)
								IF(G367="",J366,J366+G367)
								IF(G368="",J367,J367+G368)
								IF(G369="",J368,J368+G369)
								IF(G370="",J369,J369+G370)
								IF(G371="",J370,J370+G371)
								IF(G372="",J371,J371+G372)
								IF(G373="",J372,J372+G373)
								IF(G374="",J373,J373+G374)
								IF(G375="",J374,J374+G375)
								IF(G376="",J375,J375+G376)
								IF(G377="",J376,J376+G377)
								IF(G378="",J377,J377+G378)
								IF(G379="",J378,J378+G379)
								IF(G380="",J379,J379+G380)
								IF(G381="",J380,J380+G381)
								IF(G382="",J381,J381+G382)
								IF(G383="",J382,J382+G383)
								IF(G384="",J383,J383+G384)
								IF(G385="",J384,J384+G385)
								IF(G386="",J385,J385+G386)
								IF(G387="",J386,J386+G387)
								IF(G388="",J387,J387+G388)
								IF(G389="",J388,J388+G389)
								IF(G390="",J389,J389+G390)
								IF(G391="",J390,J390+G391)
								IF(G392="",J391,J391+G392)
								IF(G393="",J392,J392+G393)
								IF(G394="",J393,J393+G394)
								IF(G395="",J394,J394+G395)
								IF(G396="",J395,J395+G396)
								IF(G397="",J396,J396+G397)
								IF(G398="",J397,J397+G398)
								IF(G399="",J398,J398+G399)
								IF(G400="",J399,J399+G400)
								IF(G401="",J400,J400+G401)
								IF(G402="",J401,J401+G402)
								IF(G403="",J402,J402+G403)
								IF(G404="",J403,J403+G404)
								IF(G405="",J404,J404+G405)

© Layers (layers.md) · CC BY 4.0 · Free template. Check figures against your own rules and advisers.

RULES — if the description contains the keyword, the line gets the category (the LAST matching rule wins)
Yellow cells = you type · blue cells = calculated (do not overwrite) · example rows are fictional — replace them.

Keyword (not case-sensitive)	Category	Example
PAYROLL	Salary	PAYROLL ACME CORP
CLIENT PAYMENT	Business income	CLIENT PAYMENT INV-118
INTEREST	Interest & fees	INTEREST PAID
SERVICE FEE	Interest & fees	MONTHLY SERVICE FEE
RENT	Rent	RENT AUGUST
ELECTRIC	Utilities	ELECTRIC CO AUTOPAY
WATER	Utilities
SUPERMARKET	Groceries	SUPERMARKET FRESHMART
UBER	Transport	UBER TRIP
FUEL	Transport
NETFLIX	Subscriptions	NETFLIX.COM
AMAZON	Shopping	AMAZON MKTPLACE
ATM	Cash	ATM WITHDRAWAL
TRANSFER TO SAVINGS	Savings	TRANSFER TO SAVINGS