The spreadsheet is laid out in two tabs, with the first tab as an example and the second as your worksheet. Both tabs allow you to enter your own numbers, but the example is already filled out with sample fitures. The left side of the page is where you enter the data about your transaction rates, costs, and other variables. Once entered, a series of costs are displayed at the bottom of the sheet including the main number, "Current Total Cost per Transaction." In addition, some additional calculated costs are broken out at the bottom. And as a bonus, the right side of the page includes a graphic representation of the costs that go to make up the total transaction cost.