Expense & Income Spreadsheet

I’m looking for a neatly structured spreadsheet that lets me log, categorise, and analyse both expenses and income in one place.
Key points I have in mind:
• Simple data-entry layout with clear columns for date, category, amount, and notes.
• Built-in formulas that keep running totals and highlight over-budget items.
• Filters or pivot-style views so I can quickly see monthly and yearly summaries.
• The groundwork for automatic charts or PDF reports—I’m open to your suggestions on the best way to implement this feature.

I want the file delivered in Excel or Google Sheets (whichever you prefer), set up so I can start entering real figures right away. Clean formatting, sensible colour coding, and easy maintenance are important to me. If you’ve built similar tracking tools before, a quick sample screenshot would be helpful when we talk.