Does it use real formulas or just typed numbers?

Real formulas. Totals, remaining amounts, and savings figures are calculated in the sheet, so editing a bill updates everything else.

Will it make up bills I did not mention?

No. It uses your numbers and adds empty rows for common categories you did not list, so you can fill them in or delete them.

Yes. It is a standard Excel file and opens in Google Sheets, Numbers, and LibreOffice with the formulas intact.

Yes. Ask askROI to add, rename, or split categories and it rebuilds the file, or edit it directly in your spreadsheet app.

Tell askROI your income and bills. Get back a monthly budget spreadsheet with working formulas that show what is left to save.

Every export also lands in your Library as an artifact you can revise, share with a link, and pick up again in another chat.

Single income: Build a monthly budget spreadsheet with formulas that show what is left to save. My numbers: take home pay 3,400, rent 1,250, utilities 180, groceries 420, transport 160, phone 45, subscriptions 60, and a gym membership at 35.
Couple: Build a monthly budget spreadsheet for two incomes with formulas that show what is left to save. My numbers: combined take home 6,100, mortgage 1,900, childcare 1,100, car 380, groceries 700, insurance 210.
Student: Build a monthly budget spreadsheet with formulas that show what is left to save. My numbers: loan instalment 1,200 a month, part time job 500, rent 620, food 250, travel 80, books and supplies 40.
Debt payoff: Build a monthly budget spreadsheet that shows what is left to save and how much can go toward clearing a 4,200 credit card balance. My numbers: take home 2,900, rent 950, bills 310, food 380, transport 120.

Give askROI your income and your typical monthly bills, roughly is fine.
It builds a spreadsheet with categories, planned versus actual columns, and formulas for totals and what is left.
Download the Excel file and change any number; the totals update on their own.

First budget: see where the money goes without building a spreadsheet from scratch.
Savings goal: see what is left to save each month and change a category until it meets the goal.
Household: combine two incomes and shared bills in one place.
Debt payoff: see how much can go toward a balance each month after essentials.

Does it use real formulas or just typed numbers?: Real formulas. Totals, remaining amounts, and savings figures are calculated in the sheet, so editing a bill updates everything else.
Will it make up bills I did not mention?: No. It uses your numbers and adds empty rows for common categories you did not list, so you can fill them in or delete them.
Can I open it in Google Sheets or Numbers?: Yes. It is a standard Excel file and opens in Google Sheets, Numbers, and LibreOffice with the formulas intact.
Can I change the categories later?: Yes. Ask askROI to add, rename, or split categories and it rebuilds the file, or edit it directly in your spreadsheet app.