Personal Finance OS: A no-subscription finance tracker for Excel

Hey Product Hunt 👋 I built Personal Finance OS because most personal finance tools are either too complicated, subscription-based, or scattered across multiple apps. This is a simple Excel-based system to track your income, expenses, monthly budget, debt snowball, and savings goals in one place. The goal is not to replace advanced finance apps — it’s for people who want a clean, offline-friendly, one-time payment tracker they can actually understand and use. Inside the file: - Transaction ledger - Financial dashboard - Budget planner - Debt snowball tracker - Savings goals tracker I’d love your feedback on the structure, clarity, and what would make this more useful for people managing their personal money in Excel.