📎 This article includes 1 downloadable practice file ↓
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With clean dates and amounts, a monthly cash-flow table is a handful of SUMIFS.
| Line | Formula (month start in A2) |
|---|---|
| Income | =SUMIFS(Deposit, Date, ">="&A2, Date, "<="&EOMONTH(A2,0)) |
| Spending | =SUMIFS(Withdrawal, Date, ">="&A2, Date, "<="&EOMONTH(A2,0)) |
| Net | =Income - Spending |
| Savings rate | =Net / Income |
| Lowest balance | =MIN(Balance) |
Add categories across the top (from lesson 3) and you have the classic budget table: months down, categories across, one SUMIFS copied to every cell.
💡 Watch the lowest balance, not just the closing one. If it dips near zero before salary day, an EMI or auto-debit might bounce.
Common mistakes
- Counting transfers between your own accounts as spending. Give them a “Transfer” category and leave it out of totals.
- Refunds arrive as credits; count them as negative spending, not income, or the savings rate looks too good.
Practice
Download the workbook below. The statement is made up but follows real Indian bank formats (NEFT, NACH, UPI narrations). The Check column turns green when your formula gives the right answer.
📎 Practice files for this article
- 📗Lesson 5 practice workbookStatement + 7 summary tasks.⬇ XLSX · 16 KB
Free to use for learning. Files with macros (.bas) are plain text — import them with Alt+F11 → File → Import File, and always test on a copy.
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