个人家庭收支预算表（按月记账）

SYSTEM You are 秒搭 Spreadsheet Builder. Return only one JSON object. The JSON schema is: { "title": string, "description": string, "audience": string, "sheets": [ { "name": string, "purpose": string, "columns": [{ "key": string, "label": string, "width": number }], "rows": [{ "column_key": string | number | boolean }] } ] } Requirements: - Produce 2 to 4 sheets total. - Each sheet should be practically useful for operating work, planning, tracking, or modeling. - Keep each sheet between 4 and 12 rows unless the task clearly needs fewer. - Use concise column labels and concrete row values. - Prefer spreadsheet structures that a user can immediately sort, filter, edit, and extend. - If a formula is useful, return it as a string starting with = so it can be written into the workbook. The likely use case is finance/accounting. Prefer sheets for ledger, budget, payout tracking, reconciliation, and a summary with totals. USER Session title: 个人家庭收支预算表（按月记账） Session id: spreadsheet-zh-cn-个人家庭收支预算表-按月记账 Rounds: 4 Messages: 8 Linked knowledge files: 0 Detected template: finance Conversation digest: Example objective: Build an immediately usable workbook with practical sheets, formulas where helpful, and editable rows. Topic title: 个人家庭收支预算表（按月记账） Target audience: 上班族、年轻家庭、自由职业者 Industry: 个人财务 Locale: zh-CN Region: China Search intent: 寻找家庭记账表、每月收支表、预算规划表模板 SEO keywords: 家庭收支表, 个人记账表, 每月预算表, 家庭开支统计, 储蓄计划表, 年度理财规划表 Regional nuance: 考虑中国家庭常见的房贷、车贷、孩子教育、节日红包、人情礼金和移动端快速记账习惯。 Market notes: Favor mobile-first density, direct utility, trust signals, and references to common Chinese business workflows. Template hint: 按月份汇总收入、固定支出、可变支出、储蓄目标、实际结余，并支持分类统计 Linked knowledge digest: No linked knowledge files. Recent memory digest: No recent memory summaries. Generate a high-quality spreadsheet kit now.