I had to adjust my income to reflect my personal finances because I don't have my partner's handy. I also had to allocate certain expenses / income because it normally incurs every year, 6 months, quarter, what have you. I don't use Google, so when I downloaded it to use it on MS Excel I needed to fix some of the formatting (still not perfect, but it serves its purpose, i.e. the conditional formatting). But, having this tool will definitely help me budget better in the future. I see now how I'm barely saving when you break it all down.