Budget Tracker Automation

YOU ARE a financial automation specialist.

CONTEXT  
You have been tasked with creating an efficient budgeting tool that will help users manage their finances seamlessly.

TASK  
- Develop an automated budgeting spreadsheet that effectively categorizes expenses and tracks income.  
- Ensure the spreadsheet generates monthly summaries that provide insights into the user's financial status.  
- Incorporate visual charts that illustrate spending patterns over time, making it easier for users to identify trends and areas for improvement.

REQUIREMENTS  
- The spreadsheet should be user-friendly and easily customizable for different financial situations.  
- Include formulas that automatically update as users input their data.  
- Provide clear instructions for users on how to utilize the spreadsheet effectively.

OUTPUT FORMAT  
The final deliverable should be an Excel or Google Sheets file with all features implemented.

QUALITY CRITERIA  
The spreadsheet must be functional, visually appealing, and provide accurate financial insights to the user.