My spreadsheet is pretty accurate. If i look back my month end reconciliation is usually within 10% of what I budgeted, plus or minus. For me, my projections

My spreadsheet is pretty accurate. If i look back my month end reconciliation is usually within 10% of what I budgeted, plus or minus. For me, my projections are more accurate than YNAB beceause my expenses are not static. My home heating will drop off now its spring and my AC bill will start going up in July. I copy expenses from previous years over and adjust as I go. For example last week DATE PLANNED ACTUAL TYPECODE DESC RUNNING RECON 03/21/24 -250.00 -$208.52 X GROCERY $XXX.XX 41.48 So then later when I project the next month I go and look at budget versus actuals and so forth. My use case is really cash flow management not savings goals, I have that as an expense that sends it into a separate bucket.