I&#x27;ve been using this sheet once or twice a year for over a decade now, as it does one simple job really well - it takes expenses and income with differing frequencies, and converts them all to the same monthly rate so they&#x27;re more easily comparable.<p>I&#x27;ve also used it for planning what I needed to buy a house, and the impact this would have on my monthly surplus&#x2F;deficit.<p>This is by no means and example of great spreadsheet programming, but it&#x27;s useful, it works, and it&#x27;s easy. Feel free to copy, modify, and share further.