I have a decent working knowledge of Excel. Certainly not a programmer but I can do very basic formulas and concepts.

What I currently do for credit/debit on a monthly basis is just open a plain doc, one column for income, one for expenses.

Sum each colum, subtract the debits from the credits.

I'd like to get something a bit more detailed, but not elaborate. I searched the template section for something but when you search for budget etc it returns far too elaborate things.

I would like to see a pivot table to understand percentages and allow me to adjust things, but really not much more.

Does anyone know where I could find this? I am looking for a nice theme mostly. Something a little better than my default set.

any ideas?

EDIT: don't know if it matters, I'm on an E3 Business version of 365