[need to add graphics and walkthrough for ease of use, coloring of manual-entry cells, and graphs. Free version doesn't allow further development. This would be a good place for someone to continue the project. I'd love a message about the end result!]
ALTERNATIVE WAY TO USE THIS: If you track all your real monthly expenses elsewhere (such as YNAB or Mint), you can delete the rows in the [Budget] tab and just summarize your monthly expenses from your other app.
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Since NPER (Excel) doesn't exist on AirTable, had to determine the manual formula. Used this breakdown.