Budget & SIP Tracker
All-in-one personal finance tracker covering monthly budget, SIP investments, net worth and financial goals — built for Indian investors.
📋 How to Use
📊 Dashboard
📈 SIP Tracker
🏦 Net Worth
🎯 Goal Planner
Income vs expenses dashboard with auto savings rate
SIP portfolio tracker — fund, start date, returns %
4-month rolling net worth (assets minus liabilities)
Goal planner with PMT formula — calculates required SIP
Yellow cells only — all other cells are live formulas
No macros, works in Excel and Google Sheets
Home Loan Planner
Full amortisation schedule, prepayment impact simulator, and EMI vs rent comparison — everything for your biggest financial decision.
📋 Loan Summary
📅 Amortisation
💳 Prepayment Sim
🏘 EMI vs Rent
Full month-by-month amortisation breakdown
See how a lump sum prepayment reduces your tenure
Compare renting vs buying wealth over 10–20 years
Section 24b tax deduction tracker
📁 .xlsx
⚡ 4 sheets
🗓 Coming soon
🔔 Coming Soon
Tax Planning Worksheet
FY 2025-26 income tax planner comparing old vs new regime, with a deduction optimiser for 80C, HRA, NPS and more.
💰 Income Details
📉 Deductions
⚖️ Regime Compare
📆 Advance Tax
Old regime vs new regime side-by-side
80C, 80D, HRA, Sec24b, NPS tracker
Advance tax due dates and amounts
Updated for Budget 2024 slabs
📁 .xlsx
⚡ 4 sheets
🗓 Coming soon
🔔 Coming Soon
How to Use the Templates
Each template follows the same simple system — no learning curve needed.
1
Download the .xlsx file
Click "Download Free Excel" — no signup, no email, instant download.
2
Open in Excel or Google Sheets
Works in Microsoft Excel 2016+ and Google Sheets (File → Import).
3
Fill yellow cells only
Yellow highlighted cells are your inputs. All other cells are formulas — don't edit them.
4
Update monthly
Takes under 10 minutes. Best done on the 1st of each month to track your progress.
Color Coding Guide
Yellow cells — Enter your values here
Blue text — One-time hardcoded inputs
Black text — Auto-calculated formulas
Green — Positive / surplus values
Red — Expenses / liabilities