{
  "file_name": "Monthly Budget Tracker",
  "sheets": [
    {
      "name": "Income Tracking",
      "rows": [
        ["MONTHLY BUDGET TRACKER - INCOME", "", "", ""],
        ["Track all sources of income for the month", "", "", ""],
        ["", "", "", ""],
        ["Income Source", "Expected Amount", "Actual Amount", "Variance"],
        ["Salary/Wages", "₹", "₹", "₹"],
        ["Bonus/Commission", "₹", "₹", "₹"],
        ["Freelance Income", "₹", "₹", "₹"],
        ["Rental Income", "₹", "₹", "₹"],
        ["Investment Returns/Dividends", "₹", "₹", "₹"],
        ["Other Income", "₹", "₹", "₹"],
        ["", "", "", ""],
        ["TOTAL INCOME", "₹", "₹", "₹"]
      ]
    },
    {
      "name": "Expense Categories",
      "rows": [
        ["MONTHLY BUDGET TRACKER - EXPENSES", "", "", ""],
        ["Track expenses by category", "", "", ""],
        ["", "", "", ""],
        ["Expense Category", "Budget Allocated", "Actual Spent", "Variance"],
        ["FIXED EXPENSES", "", "", ""],
        ["Rent/Mortgage", "₹", "₹", "₹"],
        ["Utilities (Electric, Water, Gas)", "₹", "₹", "₹"],
        ["Internet/Phone", "₹", "₹", "₹"],
        ["Insurance (Health, Life, Home)", "₹", "₹", "₹"],
        ["Loan EMI", "₹", "₹", "₹"],
        ["", "", "", ""],
        ["VARIABLE EXPENSES", "", "", ""],
        ["Groceries", "₹", "₹", "₹"],
        ["Dining Out/Food Delivery", "₹", "₹", "₹"],
        ["Transportation/Fuel", "₹", "₹", "₹"],
        ["Shopping/Clothing", "₹", "₹", "₹"],
        ["Entertainment", "₹", "₹", "₹"],
        ["Medical/Healthcare", "₹", "₹", "₹"],
        ["Personal Care/Grooming", "₹", "₹", "₹"],
        ["", "", "", ""],
        ["DISCRETIONARY EXPENSES", "", "", ""],
        ["Travel/Vacation", "₹", "₹", "₹"],
        ["Hobbies/Sports", "₹", "₹", "₹"],
        ["Gifts/Charity", "₹", "₹", "₹"],
        ["Other", "₹", "₹", "₹"],
        ["", "", "", ""],
        ["TOTAL EXPENSES", "₹", "₹", "₹"]
      ]
    },
    {
      "name": "Savings Calculator",
      "rows": [
        ["SAVINGS CALCULATOR", "", "", ""],
        ["Calculate savings and budget surplus/deficit", "", "", ""],
        ["", "", "", ""],
        ["Item", "Amount", "", ""],
        ["Total Income", "₹", "", ""],
        ["Total Expenses", "₹", "", ""],
        ["Monthly Surplus/(Deficit)", "₹", "", ""],
        ["", "", "", ""],
        ["SAVINGS ALLOCATION", "", "", ""],
        ["Emergency Fund Contribution", "₹", "", ""],
        ["Retirement Savings (401k/NPS)", "₹", "", ""],
        ["Investment/Mutual Funds", "₹", "", ""],
        ["Short-term Savings Goal", "₹", "", ""],
        ["Other Savings", "₹", "", ""],
        ["", "", "", ""],
        ["TOTAL ALLOCATED TO SAVINGS", "₹", "", ""]
      ]
    },
    {
      "name": "Monthly Charts",
      "rows": [
        ["MONTHLY BUDGET ANALYSIS", "", "", ""],
        ["Visualize your spending patterns", "", "", ""],
        ["", "", "", ""],
        ["EXPENSE BREAKDOWN BY CATEGORY", "", "", ""],
        ["Fixed Expenses", "% of Budget", "", ""],
        ["Variable Expenses", "% of Budget", "", ""],
        ["Discretionary Expenses", "% of Budget", "", ""],
        ["Savings", "% of Budget", "", ""],
        ["", "", "", ""],
        ["INCOME VS EXPENSES", "", "", ""],
        ["Month", "Total Income", "Total Expenses", "Surplus/(Deficit)"],
        ["Current Month", "₹", "₹", "₹"],
        ["Previous Month", "₹", "₹", "₹"],
        ["2 Months Ago", "₹", "₹", "₹"],
        ["", "", "", ""],
        ["KEY METRICS", "", "", ""],
        ["Savings Rate (%)", "", "", ""],
        ["Budget Variance", "", "", ""],
        ["Monthly Trend", "", "", ""]
      ]
    },
    {
      "name": "Budget Analysis",
      "rows": [
        ["BUDGET ANALYSIS & INSIGHTS", "", "", ""],
        ["Analyze spending patterns and identify opportunities", "", "", ""],
        ["", "", "", ""],
        ["ANALYSIS QUESTIONS", "Answer", "", ""],
        ["Did you stay within budget this month?", "Yes / No", "", ""],
        ["Which category exceeded budget most?", "", "", ""],
        ["Which category came in under budget?", "", "", ""],
        ["What caused major variances?", "", "", ""],
        ["", "", "", ""],
        ["AREAS FOR IMPROVEMENT", "", "", ""],
        ["Category", "Current Spending", "Target Spending", "Savings Opportunity"],
        ["", "₹", "₹", "₹"],
        ["", "₹", "₹", "₹"],
        ["", "₹", "₹", "₹"],
        ["", "₹", "₹", "₹"],
        ["", "", "", ""],
        ["ACTION ITEMS FOR NEXT MONTH", "Status", "", ""],
        ["Reduce spending in ___________", "Pending", "", ""],
        ["Increase savings allocation to ___________", "Pending", "", ""],
        ["Review subscriptions and cut unnecessary ones", "Pending", "", ""],
        ["Implement cost-saving measures", "Pending", "", ""]
      ]
    }
  ]
}