@luquimbo/bi-superpowers 1.0.0

package/library/templates/excel/budget-tracker.md

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+# Budget Tracker Template
+
+## Overview
+
+A comprehensive Excel workbook for tracking departmental or project budgets against actuals, with variance analysis and forecasting capabilities.
+
+---
+
+## Target Audience
+
+- Budget Managers
+- Project Managers
+- Department Heads
+- Finance Analysts
+- Small Business Owners
+
+---
+
+## Workbook Structure
+
+### Sheet 1: Dashboard
+
+**Purpose:** Visual summary of budget status
+
+| Section | Position | Content |
+|---------|----------|---------|
+| Header | A1:H2 | Title, Current Period, Last Updated |
+| KPI Cards | A4:H6 | Total Budget, Spent, Remaining, % Used |
+| Budget vs Actual Chart | A8:E20 | Clustered column chart by category |
+| Trend Chart | F8:H20 | Line chart showing monthly spend vs budget |
+| Category Breakdown | A22:D35 | Pie chart of spend by category |
+| Alerts Table | E22:H35 | Over-budget items highlighted |
+
+### Sheet 2: Budget Input
+
+**Purpose:** Annual budget setup by category
+
+| Column | Header | Description |
+|--------|--------|-------------|
+| A | Category | Budget category (e.g., Salaries, Marketing) |
+| B | Subcategory | Detailed line item |
+| C | Annual Budget | Total annual budget |
+| D-O | Jan-Dec | Monthly allocation (can be equal or custom) |
+
+**Sample Categories:**
+```
+Personnel
+  - Salaries
+  - Benefits
+  - Contractors
+  - Training
+
+Operations
+  - Rent
+  - Utilities
+  - Insurance
+  - Maintenance
+
+Technology
+  - Software
+  - Hardware
+  - Cloud Services
+  - IT Support
+
+Marketing
+  - Advertising
+  - Events
+  - Content
+  - PR
+
+Travel
+  - Airfare
+  - Hotels
+  - Meals
+  - Ground Transport
+```
+
+### Sheet 3: Actuals Input
+
+**Purpose:** Record actual expenses
+
+| Column | Header | Description |
+|--------|--------|-------------|
+| A | Date | Transaction date |
+| B | Category | Budget category (dropdown) |
+| C | Subcategory | Line item (dependent dropdown) |
+| D | Description | Transaction description |
+| E | Vendor | Vendor/Supplier name |
+| F | Amount | Expense amount |
+| G | Payment Method | Cash/Card/Transfer |
+| H | Reference | Invoice/PO number |
+| I | Notes | Additional notes |
+
+### Sheet 4: Variance Analysis
+
+**Purpose:** Compare budget to actuals
+
+| Column | Header | Formula Concept |
+|--------|--------|-----------------|
+| A | Category | From Budget Input |
+| B | Budget MTD | SUMIFS by category and month |
+| C | Actual MTD | SUMIFS from Actuals |
+| D | Variance MTD | Budget - Actual |
+| E | Variance % | Variance / Budget |
+| F | Budget YTD | SUMIFS YTD budget |
+| G | Actual YTD | SUMIFS YTD actuals |
+| H | Variance YTD | Budget YTD - Actual YTD |
+| I | Status | Conditional formula for status |
+| J | Forecast | Projected year-end based on trend |
+
+### Sheet 5: Monthly Summary
+
+**Purpose:** Month-by-month tracking
+
+| Structure | Description |
+|-----------|-------------|
+| Rows | Categories and subcategories |
+| Columns | Jan Budget, Jan Actual, Jan Var, Feb Budget, Feb Actual, Feb Var, ... |
+| Totals | Row totals, Column totals |
+
+### Sheet 6: Settings
+
+**Purpose:** Configuration and reference data
+
+| Section | Content |
+|---------|---------|
+| Category List | Master list of categories |
+| Subcategory List | Dependent list by category |
+| Current Period | Month/Year selection |
+| Thresholds | Alert thresholds (e.g., 90%, 100%, 110%) |
+| User Info | Prepared by, Department, Fiscal Year |
+
+---
+
+## Key Formulas
+
+### Budget Calculations
+
+```excel
+// Total Budget
+=SUM(BudgetInput[Annual Budget])
+
+// Budget for Current Month
+=SUMIFS(BudgetInput[Jan], BudgetInput[Category], "<>")
+// Or dynamically:
+=SUMIFS(
+    INDEX(BudgetInput, 0, MATCH(CurrentMonth, BudgetInput[#Headers], 0)),
+    BudgetInput[Category], "<>"
+)
+
+// Budget YTD
+=SUMPRODUCT(
+    (BudgetInput[Category]<>"") *
+    MMULT(
+        BudgetInput[[Jan]:[Dec]] * (COLUMN(BudgetInput[[Jan]:[Dec]]) - COLUMN(BudgetInput[Jan]) + 1 <= CurrentMonthNum),
+        TRANSPOSE(COLUMN(BudgetInput[[Jan]:[Dec]])^0)
+    )
+)
+```
+
+### Actuals Calculations
+
+```excel
+// Total Spent
+=SUM(Actuals[Amount])
+
+// Spent by Category
+=SUMIFS(Actuals[Amount], Actuals[Category], A2)
+
+// Spent This Month
+=SUMIFS(
+    Actuals[Amount],
+    Actuals[Date], ">="&DATE(YEAR(TODAY()), MONTH(TODAY()), 1),
+    Actuals[Date], "<="&EOMONTH(TODAY(), 0)
+)
+
+// Spent YTD
+=SUMIFS(
+    Actuals[Amount],
+    Actuals[Date], ">="&DATE(FiscalYear, 1, 1),
+    Actuals[Date], "<="&TODAY()
+)
+```
+
+### Variance Analysis
+
+```excel
+// Variance (Favorable when under budget)
+=Budget - Actual
+
+// Variance %
+=IFERROR((Budget - Actual) / Budget, 0)
+
+// Status Indicator
+=IFS(
+    Actual/Budget > 1.1, "Over Budget",
+    Actual/Budget > 1, "At Risk",
+    Actual/Budget > 0.9, "On Track",
+    TRUE, "Under Utilized"
+)
+
+// Conditional Icon
+=IFS(
+    Variance% < -0.1, UNICHAR(9660),    // Down arrow (bad)
+    Variance% < 0, UNICHAR(9679),        // Dot (caution)
+    TRUE, UNICHAR(9650)                  // Up arrow (good)
+)
+```
+
+### Forecasting
+
+```excel
+// Linear Forecast to Year End
+=Actual_YTD / MonthsElapsed * 12
+
+// Trend-based Forecast
+=FORECAST(12, ActualsArray, MonthsArray)
+
+// Remaining Budget
+=Annual_Budget - Actual_YTD
+
+// Months of Runway
+=Remaining_Budget / (Actual_YTD / MonthsElapsed)
+```
+
+### Dashboard Formulas
+
+```excel
+// % of Budget Used
+=Actual_YTD / Budget_YTD
+
+// Sparkline for trend
+=SPARKLINE(MonthlyActuals, {"charttype","column";"color","#0078D4"})
+
+// Conditional Color (for Excel 365)
+=LET(
+    pct, Actual/Budget,
+    IF(pct > 1, "Red", IF(pct > 0.9, "Yellow", "Green"))
+)
+```
+
+---
+
+## Data Validation
+
+### Category Dropdown
+
+```
+Data Validation > List
+Source: =Settings!CategoryList
+```
+
+### Dependent Subcategory Dropdown
+
+```
+Data Validation > List
+Source: =INDIRECT(Category_Cell)
+// Requires named ranges for each category's subcategories
+```
+
+### Date Validation
+
+```
+Data Validation > Date
+Between: Start of fiscal year AND Today
+```
+
+### Amount Validation
+
+```
+Data Validation > Decimal
+Greater than: 0
+```
+
+---
+
+## Conditional Formatting
+
+### Variance Column
+
+| Rule | Format |
+|------|--------|
+| Value > 0 | Green background, dark green text |
+| Value = 0 | No format |
+| Value < 0 | Red background, dark red text |
+
+### Status Column
+
+| Rule | Format |
+|------|--------|
+| = "Over Budget" | Red background |
+| = "At Risk" | Yellow background |
+| = "On Track" | Green background |
+| = "Under Utilized" | Blue background |
+
+### Data Bars
+
+Apply to Actual columns:
+- Minimum: 0
+- Maximum: Corresponding budget cell
+- Bar color: #0078D4
+
+### Icon Sets
+
+Apply to Variance % column:
+- Green up arrow: > 0
+- Yellow dash: = 0
+- Red down arrow: < 0
+
+---
+
+## Charts Configuration
+
+### Budget vs Actual (Clustered Column)
+
+```
+Data: Categories, Budget, Actual
+Chart Type: Clustered Column
+Budget Series: Gray (#808080)
+Actual Series: Blue (#0078D4)
+Data Labels: Outside End
+Gap Width: 50%
+```
+
+### Spend Trend (Line Chart)
+
+```
+Data: Months, Budget Line, Actual Line
+Chart Type: Line with Markers
+Budget Line: Dashed gray
+Actual Line: Solid blue
+Add trendline to Actual if desired
+```
+
+### Category Breakdown (Pie/Donut)
+
+```
+Data: Categories, Actual Spend
+Chart Type: Doughnut
+Hole Size: 50%
+Show percentages as data labels
+Explode largest slice
+```
+
+---
+
+## Pivot Tables (Optional)
+
+### Spend by Category and Month
+
+```
+Rows: Category, Subcategory
+Columns: Month (from Date)
+Values: Sum of Amount
+Filter: Year
+```
+
+### Vendor Analysis
+
+```
+Rows: Vendor
+Columns: Category
+Values: Sum of Amount
+Sort: Descending by total
+```
+
+---
+
+## Protection Settings
+
+### Protected Elements
+
+- Dashboard sheet: Full protection (view only)
+- Variance Analysis: Formula cells protected
+- Settings: Admin-only access
+
+### Unprotected Elements
+
+- Actuals Input: Data entry cells
+- Budget Input: Budget allocation cells
+
+### Recommended Protection
+
+```
+Sheet Protection:
+- Select locked cells: Yes
+- Select unlocked cells: Yes
+- Format cells: No
+- Insert rows: No (except Actuals)
+- Delete rows: No
+```
+
+---
+
+## Print Layout
+
+### Dashboard Print Area
+
+- Fit to 1 page wide
+- Landscape orientation
+- Include header with date/page number
+- Gridlines off
+
+### Variance Report Print
+
+- Portrait orientation
+- Repeat header row on each page
+- Include category subtotals
+- Page break after each category
+
+---
+
+## Implementation Checklist
+
+- [ ] Set up Settings sheet with categories and parameters
+- [ ] Create Budget Input table with annual allocations
+- [ ] Build Actuals Input table with data validation
+- [ ] Create Variance Analysis with all formulas
+- [ ] Build Dashboard with charts and KPIs
+- [ ] Apply conditional formatting throughout
+- [ ] Test formulas with sample data
+- [ ] Apply sheet protection
+- [ ] Configure print areas
+- [ ] Document instructions for users
+
+---
+
+## Related Resources
+
+- [Excel Aggregation Functions](../../snippets/excel-formulas/aggregations.md)
+- [Date Functions](../../snippets/excel-formulas/dates-and-times.md)
+- [Dynamic Arrays](../../snippets/excel-formulas/dynamic-arrays.md)