Pull a total based on two criteria

I've been trying to setup a bill splitting sheet based on two criteria: the name of who bought say... groceries, and the month it was purchased.

I did identify one issue I was having and fixed it (Access was formatting my month cells as text instead of a date, which I have fixed)

I'd like to avoid using helper cells if at all possible since I want to let my data auto populate from access, and that would require a lot of unnecessary formulas that would slow excel down or a lot more manual editing which would make it useless anyway.

If I can get the total bought for the month to auto populate into the red cell on sheet 1, I have formulas setup to figure out how much everyone owes each other.

(I am using the insider build of 365, so I have access to xlookup, filter, etc. if that helps)

Thank you in advance!