This program can be used for personal budgeting, to teach budgeting to students or adults, or to teach excel spreadsheet functions. There is a main menu that allows you navigate easily between components. This is a very comprehensive budgeting program that lets you set your income, expenses in the actuals necessities page. Filling this in will actually fill in each monthly tab totals. In this program you can set spending goals in the goals necessities and extras pages which will flow over to the monthly pages in the totals so you can tell exactly what you are spending compared to your goals. On each monthly tab, you will actually fill in your spending into the spreadsheet. This may be extensive entry on the first month you use this program. It is quite shocking what one spends and on what. There is a summary which will show your savings for each month. I created this a few years ago and have used it personally for budgeting my spending. The first month was a real eye opener, but helped me tremendously. I hope it will do the same for you.