Monthly Expenses:
This is the total of the estimated amounts that you entered for each of your bills.

Monthly Surplus:
This is the difference of the Monthly Income you entered on the first input line of the worksheet and the Monthly Expenses.

Actual Expenses:
This is the total of the bill amounts that you have entered. This total is not an exact match to the total bill amounts since they are rounded to the nearest dollar but they are very close and will give you a very good idea of how much you have spent.

Actual Surplus:
This is the difference of the Monthly Income you entered on the first input line of the worksheet and the Actual Expenses.