Indian Money Planner FY 2026-27 Excel | Budget, Expense Tracker, SIP, EMI & Net Worth Dashboard

Indian Money Planner FY 2026-27 Excel | Budget, Expense Tracker, SIP, EMI & Net Worth Dashboard

budget planner, expense tracker, personal finance, excel template, google sheets, monthly budget, SIP calculator, EMI calculator, net worth tracker, savings goals, 50 30 20 rule, India, rupee

Know exactly where your salary goes every month. This Excel planner is built for India: rupees in lakh format, the April to March financial year, and the things you actually pay for, like rent, UPI spends, Swiggy and Zomato, domestic help, SIPs, PPF and EMIs.

Log a payment in a few seconds. The dashboard, budget sheet and charts fill themselves in.

What's inside (10 tabs):

• Dashboard - pick a month and see income, spending, savings and savings rate, a 50/30/20 check, your top 5 spends vs budget and 3 live charts

• Transactions - a 1,000-row money log with category and account dropdowns

• Monthly Budget - budget vs actual for every category across all 12 months. Overspends turn red.

• Bills & Subscriptions - rent, EMIs, recharges, OTT and insurance, with next due date and total monthly commitment

• Savings Goals - emergency fund, trip, gadget or wedding, with progress bars and how much to save each month

• SIP Planner - step-up SIP projection for up to 30 years, with a chart in lakhs

• EMI Planner - EMI, full month-by-month schedule, and how much a small monthly prepayment saves

• Net Worth - quarterly EPF, PPF, NPS, mutual funds, stocks, gold and FD, minus loans

• Setup - your name, income, savings target and 25+ editable categories grouped as Need, Want or Savings

• Start Here - a simple guide to get set up in about 10 minutes

Why people like it:

• Made for Indian users, not a converted US template

• Sample data included so you can see how it works, then delete it in one step

• Yellow cells are inputs, white cells are formulas. Hard to break.

• No macros, no login, works offline

• Opens in Excel 2016 or later, Microsoft 365, Google Sheets (File > Import) and LibreOffice

Good for salaried professionals, freshers with a first salary, students managing a monthly allowance, freelancers and couples.

Note: SIP and EMI results are estimates from the numbers you enter. This is a planning tool, not tax or investment advice.