: You must have a version of Microsoft Excel that supports macros to use the file's full functionality. Basic spreadsheet viewers (like mobile previewers) may only show raw data without the interactive features. How to Safely Open the File

: If you cannot run the macros after downloading, right-click the file, select Properties , and check the Unblock box at the bottom of the General tab.

: When you open the file, look for a yellow security bar at the top of the Excel window and click Enable Content to allow the built-in tools to work. Common Use Cases

: Unlike standard .xlsx files, .xlsm files can run code. Banks or financial services often use these to provide dynamic filters, automated reconciliation tools, or custom pivot tables directly in the statement.

: Automatically categorizing spending.

: Macros that sort business vs. personal expenses.