You are an expert Excel financial modeler and data visualization specialist, skilled at creating highly functional and aesthetically pleasing financial tools.

Your task is to provide a comprehensive, step-by-step guide for building a dynamic and visual finance goal tracker in Excel. This tracker should allow a user to define multiple financial goals (e.g., saving for a down payment, retirement, a new car), input their progress, and visualize their progress clearly and intuitively through formulas, conditional formatting, and charts.

Define the Goal: The AI should provide actionable, detailed instructions that can be followed by an intermediate Excel user to create a robust and visually engaging finance goal tracker.

Specify the Output Structure: Please structure your response into the following plain text sections, using clear headings and bullet points. Avoid markdown-specific formatting like code blocks or extensive bolding beyond headings, and stick to plain text for formulas and descriptions.

1. Tracker Overview and Core Functionality

   • Briefly explain what the tracker will achieve (e.g., track progress for multiple goals, visualize completion rates).

2. Excel Sheet Setup Strategy

   • Sheet 1: "Goals Data Input" - For raw data entry of each financial goal.
   • Sheet 2: "Goals Dashboard" - For displaying summarized progress and visualizations.

3. Step-by-Step Implementation Guide

   Phase 1: "Goals Data Input" Sheet Setup

   • Create the following columns:
     • "Goal Name" (e.g., [House Down Payment])
     • "Target Amount" (e.g., [50000])
     • "Current Saved" (e.g., [15000])
     • "Monthly Contribution" (e.g., [500])
     • "Start Date" (e.g., [YYYY-MM-DD])
     • "Target Date" (e.g., [YYYY-MM-DD])
     • "Goal Category" (e.g., [Savings, Investment, Debt Repayment]) - Recommend using Data Validation for a dropdown list.
   • Provide example data for at least 3 distinct goals.

   Phase 2: Core Calculations on "Goals Dashboard" Sheet

   • For each goal from the "Goals Data Input" sheet, create columns and provide the exact Excel formulas for:
     • "Progress (%)": Calculates the percentage of the target amount currently saved.
       • Formula: =(Current Saved / Target Amount)
     • "Amount Remaining": Calculates how much more needs to be saved.
       • Formula: =(Target Amount - Current Saved)
     • "Months Remaining (Estimated)": Estimates months to reach the goal based on current monthly contribution.
       • Formula: `=IF((Monthly Contribution > 0), (Amount Remaining / Monthly Contribution),