User Manual

Welcome to Saral Financial Package

This is a one stop solution to maitaining all your financial details & calculations like tax planning,
home loans, Annual budget & monthly expenses.
The version which you have got may not be the latest version to get the latest version visit my blogspot
http://saral-financial-package.blogspot.com/ and join the site by clicking "Join the site" button on top right
corner. This is the simplest and most effective way to get the latest updates.

Gettting Started:
You can enter values in Pale Blue coloured cells only.
Saral Financial Package can be best viewed in MS Office 2007. (with inhanced Graph and Colours)

1. Tax Slabs
Seeing the change in the tax slab every year I have introduced the first sheet called Tax Slab
there you can give the tax slabs for different categories.

2. Tax Planer
As the name suggests here you can plan your taxes.
Give your Name, Title, age & Location of your stay. This information is intelligently used for calculations.
Give all your incomes, TDS paid & PF paid by you in second section.
In tax exemption section provide the required information, limits are given for all rows.
Even if your values are more than the limit, (only for information sake), limiting value will
considered for calculations.
Under section 80CCE you can put information about your relevant investments.
Put Medical insurance, Home loan interest etc. in next section.
Finally you will get the amount of tax you need to pay after considering the TDS.

3. House Loan Cal

Here you can calculate the Home loan Total Amount you are going to pay and No. of Months to pay EMI.
Months to pay EMI. Calculation is done in different way. Because generally we give No. of
years we pay the EMI & interest rate. Here stress is put on how fast you can pay it off by
puting extra money intermediately.
You can give loan amount, EMI, Interest rate & start date in case if you want to take printout
like a statement.
Special feature here is Type of Interest, you have two options like floating & fixed.
If you are choosing Fixed then Interest rate in the top section will be taken for calculation.
but if you are choosing Floating then interest rate in the adjustcent column will be taken for same.
Intermediately you can pay extra amount in any month by Entering the value in extra amount
paid column. Initially if paying extra amount you can see the huge change in Total Amount Paid & No.
of Months in top section.
You can calculate your EMI by putting the no. of years in EMI calculator on right side of Loan calculator.
4. Annual Budget
Annual Budget is a new feature added. In this sheet you can make a budget for the whole year at start
of the year. You can Monthly salary, any bonus or extra amount in the middle of the year.
You can put your monthly average expenses & any planned expenses and get overall understanding of
your savings at the end of the year.

5. Monthly Expenses
This is where you can enter all your expenses with proper comments on daily basis.
You can edit the Title cells only in the month of January.
You can give the carry forward from last year in Month of January, after that every month Savings from
last month will take as carryforward in next month.
Give your Income, Investments, One time expenses & daily expenses in the respective sections.
Definitely there will be leakage due to unaccounted money spending, put it in Balance adjusted cell.
There is a graphical representation of all the expenses in Every months sheet.
here you can see how much percentage of spending is done on particular type of items.
We can give our bank balance in different banks on the right side. Idealy at any point of time difference
between your bank balance & your savings should be zero. You can also keep a track of your liabilities
for particutlar month by putting it in section down below. This will remind you everyday about your
liabilities for that month.
Make use of feature called Insert Comments effectively, as we forget over a period of time where and
on what we spent these bucks.
New feature that is introduced in version 1.0.1 is the cash flow table. It will give you an idea about the
your cash flow in the one year.

Personal Experience:
I have been using this package religiously for last three years, lot of changes have been made over the
period of time [earlier it was called Expense organizer], but I must say it helps me a lot to track my
expenses & investmensts and show to my parents where I am spending my money. :)
I put Saral Financial Package in my computer's windows start up, so that every day first thing I do is to
enter yesterday's expenses.
It takes only 5min everyday, but you can keep a track of your expenses and most importantly see the
summary of all your expenses, investments & Incomes, in graphical as well as numeric format on yearly
basis, in the last sheet Results & Analysis
At the start of every month I take a print out of the last months Expense organizer & file it and write
down comments on the printout.
If your computer can be turned on by others and you don’t want to reveal the information then you can
password protect the Saral Finacial Package by using standard MS office feature.
Go to Save as--> Tools Button --> General Options --> Give the Password.

Enjoy using Saral Financial Package and Send your comments & feedbacks at under stated email address.
There are still lot of things to be done.
Visit my blogspot regularly to get the any update on the Saral Financial Package.
at http://saral-financial-package.blogspot.com/

Regards,
Kuldipak Pednekar
kuldipak@gmail.com
PS- If you are a Mac user there is separate version specially customized for iWorks.
 Tax Slabs
Enter Data in White colored cell only.
For Male
Lower limitUpper Limit Tax Rate
0 150000 0.00%
150001 300000 10.00%
300001 500000 20.00%
>500000 30.00%

For Female
Lower limitUpper Limit Tax Rate
0 185000 0.00%
185001 300000 10.00%
300001 500000 20.00%
>500000 30.00%

For Senior Citizen

Lower limitUpper Limit Tax Rate
0 185000 0.00%
185001 300000 10.00%
300001 500000 20.00%
>500000 30.00%
 TM
Tax Planer/ Calculator for Financial Year Thanks for using-Kuldipak
Enter your data in Mr. Kuldipak Pednekar
White coloured Cells Can be best viewed in MS Office 2007.
only. Age 24 City Metro
Earnings Deductions
Month
Basics DA HRA Conv. Other Medical LTA Sp. Allo. Total PT PF @ 12% IT Food Tot. 'Ded. Net
April 0 0 0 0
May 0 0 0 0
June 0 0 0 0
July 0 0 0 0
August 0 0 0 0
September 0 0 0 0
October 0 0 0 0
November 0 0 0 0
December 0 0 0 0
January 0 0 0 0
February 0 0 0 0
March 0 0 0 0
Total 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Less: Exempt 0 <Use this row for company specific tax exemptions>
Bonus 0 <Use this row when you get bonus>
Other Incom. <Use this row for other incomes like Stock market etc.>
Other Earn. 0 < Use this for income like profit on House etc.>
Gross 0 0 0 0 0 0 0 0 0
Gross Salary Exclusive of Conveyance 0 Tax Exemptions ProducedLimited
Deduction due to Tax saving under 80CCE 0 Medical Bills - (Bills required) 15,000
Professional Tax 0 Rent for this year - (Rent Receipt required) 0
Taxable Income 0 LTA - Leave Travelling Allowance - (Receipts required)
House Loan Interest Repayment 0 Any other exemption from Tax
Med., HRA and Other exemption 0 Remaining months for the Tax to be paid 12
Net Taxable income 0 Section 80CCE
Income Tax Slab Tax rateAppl. Amt.
Balance Tax PPF (Public Provident Fund Max 70000) 70,000
000,000 150,000 0% 0 0 0 Pension Plan (Maximum 10000) 10,000
150,001 300,000 10% 0 0 0 Life Insurance Policies
300,001 500,000 20% 0 0 0 PF Contribution 0
>500000 30% 0 0 Mutual Fund (ELSS Type)
Total Tax 0 Children Education (Max. up to 24000 for Two Children) 24,000
NSS/NSC
House Loan repayment (Principal Amount)
Infrastructure Bonds (Government/ ICICI Bonds)
Total (Till 1,00,000 only will be considered for exemption) 0 100,000
Other Tax Exemption
Education Cess Tax @ 3% 0 Medical Insurance/Higher Education/Expenses on disable dependent
Income Tax paid 0 House Loan repayment (Interest Amount)
Income Tax due this year 0 INR 0 0
 TAX CALCULATOR (FOR SGD) Thanks for using - Kuldipak

Chargeable annual income bracketRate

$0 $20,000 0
$20,001 $30,000 3.50%
$30,001 $40,000 5.50%
$40,001 $80,000 8.50%
$80,001 $160,000 14.00%
$160,001 $320,000 17.00%
>$320000 20.00%

Your Income in financial year $100,000

Income Tax Slab Tax rateAppl. Amt.Balance Tax

$00,000 $20,000 0.00% $20,000 $80,000 $0
$20,001 $30,000 3.50% $10,000 $70,000 $350
$30,001 $40,000 5.50% $10,000 $60,000 $550
$40,001 $80,000 8.50% $40,000 $20,000 $3,400
$80,001 $160,000 14.00% $20,000 $0 $2,800
$160,001 $320,000 17.00% $0 $0 $0
>$320000 20.00% $0 $0
TOTAL TAX $7,100
 If Type of
Loan Planer/ Calculator Thanks for using -Kuldipak Loan is
fixed then It
Name: Kuldipak Pednekar Type of Loan Fixed will take
interest rate
Loan Amount 1,000,000 TM EMI 11,210 from the
Interest Rate 10.00% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 164 Total Amount Paid 1,837,316 from
Rightmost
Enter your data in Pale Blue colored cells. column.
Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet.
Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating
Amount Interest
Paid Rate
1 22-Jan-08 1,000,000 11,210 8,333 2,877 997,123 10.25%
2 22-Feb-08 997,123 11,210 8,309 2,901 994,222 10.25%
3 22-Mar-08 994,222 11,210 8,285 2,925 991,297 10.25%
4 22-Apr-08 991,297 11,210 8,261 2,949 988,348 10.25%
5 ### 988,348 11,210 8,236 2,974 985,374 10.25%
6 22-Jun-08 985,374 11,210 8,211 2,999 982,375 10.25%
7 22-Jul-08 982,375 11,210 8,186 3,024 979,351 10.25%
8 22-Aug-08 979,351 11,210 8,161 3,049 976,302 10.75%
9 22-Sep-08 976,302 11,210 8,136 3,074 973,228 10.75%
10 22-Oct-08 973,228 11,210 8,110 3,100 970,128 10.75%
11 22-Nov-08 970,128 11,210 8,084 3,126 967,002 10.75%
12 22-Dec-08 967,002 11,210 8,058 3,152 963,850 10.75%
13 22-Jan-09 963,850 11,210 8,032 3,178 960,672 10.75%
14 22-Feb-09 960,672 11,210 8,006 3,204 957,468 10.75%
15 22-Mar-09 957,468 11,210 7,979 3,231 954,237 10.75%
16 22-Apr-09 954,237 11,210 7,952 3,258 950,979 10.75%
17 ### 950,979 11,210 7,925 3,285 947,694 10.75%
18 22-Jun-09 947,694 11,210 7,897 3,313 944,381 10.75%
19 22-Jul-09 944,381 11,210 7,870 3,340 941,041 10.75%
20 22-Aug-09 941,041 11,210 7,842 3,368 937,673 10.75%
21 22-Sep-09 937,673 11,210 7,814 3,396 934,277 10.75%
22 22-Oct-09 934,277 11,210 7,786 3,424 930,853 10.75%
23 22-Nov-09 930,853 11,210 7,757 3,453 927,400 10.75%
24 22-Dec-09 927,400 11,210 7,728 3,482 923,918 10.75%
25 22-Jan-10 923,918 11,210 7,699 3,511 920,407 10.75%
26 22-Feb-10 920,407 11,210 7,670 3,540 916,867 10.75%
27 22-Mar-10 916,867 11,210 7,641 3,569 913,298 10.75%
28 22-Apr-10 913,298 11,210 7,611 3,599 909,699 10.75%
29 ### 909,699 11,210 7,581 3,629 906,070 10.75%
30 22-Jun-10 906,070 11,210 7,551 3,659 902,411 10.75%
31 22-Jul-10 902,411 11,210 7,520 3,690 898,721 10.75%
32 22-Aug-10 898,721 11,210 7,489 3,721 895,000 10.75%
33 22-Sep-10 895,000 11,210 7,458 3,752 891,248 10.75%
34 22-Oct-10 891,248 11,210 7,427 3,783 887,465 10.75%
35 22-Nov-10 887,465 11,210 7,396 3,814 883,651 10.75%
36 22-Dec-10 883,651 11,210 7,364 3,846 879,805 10.75%
37 22-Jan-11 879,805 11,210 7,332 3,878 875,927 10.75%
38 22-Feb-11 875,927 11,210 7,299 3,911 872,016 10.75%
39 22-Mar-11 872,016 11,210 7,267 3,943 868,073 10.75%
40 22-Apr-11 868,073 11,210 7,234 3,976 864,097 10.75%
41 ### 864,097 11,210 7,201 4,009 860,088 10.75%
42 22-Jun-11 860,088 11,210 7,167 4,043 856,045 10.75%
43 22-Jul-11 856,045 11,210 7,134 4,076 851,969 10.75%
44 22-Aug-11 851,969 11,210 7,100 4,110 847,859 10.75%
 fixed then It
Name: Kuldipak Pednekar Type of Loan Fixed will take
interest rate
Loan Amount 1,000,000 TM EMI 11,210 from the
Interest Rate 10.00% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 164 Total Amount Paid 1,837,316 from
Rightmost
Enter your data in Pale Blue colored cells. column.
Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet.
Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating
Amount Interest
Paid Rate
45 22-Sep-11 847,859 11,210 7,065 4,145 843,714 10.75%
46 22-Oct-11 843,714 11,210 7,031 4,179 839,535 10.75%
47 22-Nov-11 839,535 11,210 6,996 4,214 835,321 10.75%
48 22-Dec-11 835,321 11,210 6,961 4,249 831,072 10.75%
49 22-Jan-12 831,072 11,210 6,926 4,284 826,788 10.75%
50 22-Feb-12 826,788 11,210 6,890 4,320 822,468 10.75%
51 22-Mar-12 822,468 11,210 6,854 4,356 818,112 10.75%
52 22-Apr-12 818,112 11,210 6,818 4,392 813,720 10.75%
53 ### 813,720 11,210 6,781 4,429 809,291 10.75%
54 22-Jun-12 809,291 11,210 6,744 4,466 804,825 10.75%
55 22-Jul-12 804,825 11,210 6,707 4,503 800,322 10.75%
56 22-Aug-12 800,322 11,210 6,669 4,541 795,781 10.75%
57 22-Sep-12 795,781 11,210 6,632 4,578 791,203 10.75%
58 22-Oct-12 791,203 11,210 6,593 4,617 786,586 10.75%
59 22-Nov-12 786,586 11,210 6,555 4,655 781,931 10.75%
60 22-Dec-12 781,931 11,210 6,516 4,694 777,237 10.75%
61 22-Jan-13 777,237 11,210 6,477 4,733 772,504 10.75%
62 22-Feb-13 772,504 11,210 6,438 4,772 767,732 10.75%
63 22-Mar-13 767,732 11,210 6,398 4,812 762,920 10.75%
64 22-Apr-13 762,920 11,210 6,358 4,852 758,068 10.75%
65 ### 758,068 11,210 6,317 4,893 753,175 10.75%
66 22-Jun-13 753,175 11,210 6,276 4,934 748,241 10.75%
67 22-Jul-13 748,241 11,210 6,235 4,975 743,266 10.75%
68 22-Aug-13 743,266 11,210 6,194 5,016 738,250 10.75%
69 22-Sep-13 738,250 11,210 6,152 5,058 733,192 10.75%
70 22-Oct-13 733,192 11,210 6,110 5,100 728,092 10.75%
71 22-Nov-13 728,092 11,210 6,067 5,143 722,949 10.75%
72 22-Dec-13 722,949 11,210 6,025 5,185 717,764 10.75%
73 22-Jan-14 717,764 11,210 5,981 5,229 712,535 10.75%
74 22-Feb-14 712,535 11,210 5,938 5,272 707,263 10.75%
75 22-Mar-14 707,263 11,210 5,894 5,316 701,947 10.75%
76 22-Apr-14 701,947 11,210 5,850 5,360 696,587 10.75%
77 ### 696,587 11,210 5,805 5,405 691,182 10.75%
78 22-Jun-14 691,182 11,210 5,760 5,450 685,732 10.75%
79 22-Jul-14 685,732 11,210 5,714 5,496 680,236 10.75%
80 22-Aug-14 680,236 11,210 5,669 5,541 674,695 10.75%
81 22-Sep-14 674,695 11,210 5,622 5,588 669,107 10.75%
82 22-Oct-14 669,107 11,210 5,576 5,634 663,473 10.75%
83 22-Nov-14 663,473 11,210 5,529 5,681 657,792 10.75%
84 22-Dec-14 657,792 11,210 5,482 5,728 652,064 10.75%
85 22-Jan-15 652,064 11,210 5,434 5,776 646,288 10.75%
86 22-Feb-15 646,288 11,210 5,386 5,824 640,464 10.75%
87 22-Mar-15 640,464 11,210 5,337 5,873 634,591 10.75%
88 22-Apr-15 634,591 11,210 5,288 5,922 628,669 10.75%
89 ### 628,669 11,210 5,239 5,971 622,698 10.75%
 fixed then It
Name: Kuldipak Pednekar Type of Loan Fixed will take
interest rate
Loan Amount 1,000,000 TM EMI 11,210 from the
Interest Rate 10.00% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 164 Total Amount Paid 1,837,316 from
Rightmost
Enter your data in Pale Blue colored cells. column.
Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet.
Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating
Amount Interest
Paid Rate
90 22-Jun-15 622,698 11,210 5,189 6,021 616,677 10.75%
91 22-Jul-15 616,677 11,210 5,139 6,071 610,606 10.75%
92 22-Aug-15 610,606 11,210 5,088 6,122 604,484 10.75%
93 22-Sep-15 604,484 11,210 5,037 6,173 598,311 10.75%
94 22-Oct-15 598,311 11,210 4,986 6,224 592,087 10.75%
95 22-Nov-15 592,087 11,210 4,934 6,276 585,811 10.75%
96 22-Dec-15 585,811 11,210 4,882 6,328 579,483 10.75%
97 22-Jan-16 579,483 11,210 4,829 6,381 573,102 10.75%
98 22-Feb-16 573,102 11,210 4,776 6,434 566,668 10.75%
99 22-Mar-16 566,668 11,210 4,722 6,488 560,180 10.75%
100 22-Apr-16 560,180 11,210 4,668 6,542 553,638 10.75%
101 ### 553,638 11,210 4,614 6,596 547,042 10.75%
102 22-Jun-16 547,042 11,210 4,559 6,651 540,391 10.75%
103 22-Jul-16 540,391 11,210 4,503 6,707 533,684 10.75%
104 22-Aug-16 533,684 11,210 4,447 6,763 526,921 10.75%
105 22-Sep-16 526,921 11,210 4,391 6,819 520,102 10.75%
106 22-Oct-16 520,102 11,210 4,334 6,876 513,226 10.75%
107 22-Nov-16 513,226 11,210 4,277 6,933 506,293 10.75%
108 22-Dec-16 506,293 11,210 4,219 6,991 499,302 10.75%
109 22-Jan-17 499,302 11,210 4,161 7,049 492,253 10.75%
110 22-Feb-17 492,253 11,210 4,102 7,108 485,145 10.75%
111 22-Mar-17 485,145 11,210 4,043 7,167 477,978 10.75%
112 22-Apr-17 477,978 11,210 3,983 7,227 470,751 10.75%
113 ### 470,751 11,210 3,923 7,287 463,464 10.75%
114 22-Jun-17 463,464 11,210 3,862 7,348 456,116 10.75%
115 22-Jul-17 456,116 11,210 3,801 7,409 448,707 10.75%
116 22-Aug-17 448,707 11,210 3,739 7,471 441,236 10.75%
117 22-Sep-17 441,236 11,210 3,677 7,533 433,703 10.75%
118 22-Oct-17 433,703 11,210 3,614 7,596 426,107 10.75%
119 22-Nov-17 426,107 11,210 3,551 7,659 418,448 10.75%
120 22-Dec-17 418,448 11,210 3,487 7,723 410,725 10.75%
121 22-Jan-18 410,725 11,210 3,423 7,787 402,938 10.75%
122 22-Feb-18 402,938 11,210 3,358 7,852 395,086 10.75%
123 22-Mar-18 395,086 11,210 3,292 7,918 387,168 10.75%
124 22-Apr-18 387,168 11,210 3,226 7,984 379,184 10.75%
125 ### 379,184 11,210 3,160 8,050 371,134 10.75%
126 22-Jun-18 371,134 11,210 3,093 8,117 363,017 10.75%
127 22-Jul-18 363,017 11,210 3,025 8,185 354,832 10.75%
128 22-Aug-18 354,832 11,210 2,957 8,253 346,579 10.75%
129 22-Sep-18 346,579 11,210 2,888 8,322 338,257 10.75%
130 22-Oct-18 338,257 11,210 2,819 8,391 329,866 10.75%
131 22-Nov-18 329,866 11,210 2,749 8,461 321,405 10.75%
132 22-Dec-18 321,405 11,210 2,678 8,532 312,873 10.75%
133 22-Jan-19 312,873 11,210 2,607 8,603 304,270 10.75%
134 22-Feb-19 304,270 11,210 2,536 8,674 295,596 10.75%
 fixed then It
Name: Kuldipak Pednekar Type of Loan Fixed will take
interest rate
Loan Amount 1,000,000 TM EMI 11,210 from the
Interest Rate 10.00% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 164 Total Amount Paid 1,837,316 from
Rightmost
Enter your data in Pale Blue colored cells. column.
Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet.
Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating
Amount Interest
Paid Rate
135 22-Mar-19 295,596 11,210 2,463 8,747 286,849 10.75%
136 22-Apr-19 286,849 11,210 2,390 8,820 278,029 10.75%
137 ### 278,029 11,210 2,317 8,893 269,136 10.75%
138 22-Jun-19 269,136 11,210 2,243 8,967 260,169 10.75%
139 22-Jul-19 260,169 11,210 2,168 9,042 251,127 10.75%
140 22-Aug-19 251,127 11,210 2,093 9,117 242,010 10.75%
141 22-Sep-19 242,010 11,210 2,017 9,193 232,817 10.75%
142 22-Oct-19 232,817 11,210 1,940 9,270 223,547 10.75%
143 22-Nov-19 223,547 11,210 1,863 9,347 214,200 10.75%
144 22-Dec-19 214,200 11,210 1,785 9,425 204,775 10.75%
145 22-Jan-20 204,775 11,210 1,706 9,504 195,271 10.75%
146 22-Feb-20 195,271 11,210 1,627 9,583 185,688 10.75%
147 22-Mar-20 185,688 11,210 1,547 9,663 176,025 10.75%
148 22-Apr-20 176,025 11,210 1,467 9,743 166,282 10.75%
149 ### 166,282 11,210 1,386 9,824 156,458 10.75%
150 22-Jun-20 156,458 11,210 1,304 9,906 146,552 10.75%
151 22-Jul-20 146,552 11,210 1,221 9,989 136,563 10.75%
152 22-Aug-20 136,563 11,210 1,138 10,072 126,491 10.75%
153 22-Sep-20 126,491 11,210 1,054 10,156 116,335 10.75%
154 22-Oct-20 116,335 11,210 969 10,241 106,094 10.75%
155 22-Nov-20 106,094 11,210 884 10,326 95,768 10.75%
156 22-Dec-20 95,768 11,210 798 10,412 85,356 10.75%
157 22-Jan-21 85,356 11,210 711 10,499 74,857 10.75%
158 22-Feb-21 74,857 11,210 624 10,586 64,271 10.75%
159 22-Mar-21 64,271 11,210 536 10,674 53,597 10.75%
160 22-Apr-21 53,597 11,210 447 10,763 42,834 10.75%
161 ### 42,834 11,210 357 10,853 31,981 10.75%
162 22-Jun-21 31,981 11,210 267 10,943 21,038 10.75%
163 22-Jul-21 21,038 11,210 175 11,035 10,003 10.75%
164 22-Aug-21 10,003 10,086 83 10,003 0 10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
 fixed then It
Name: Kuldipak Pednekar Type of Loan Fixed will take
interest rate
Loan Amount 1,000,000 TM EMI 11,210 from the
Interest Rate 10.00% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 164 Total Amount Paid 1,837,316 from
Rightmost
Enter your data in Pale Blue colored cells. column.
Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet.
Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating
Amount Interest
Paid Rate
10.75%
10.75%
10.75%
10.75%
10.75%
10.75%
 fixed then It
Name: Kuldipak Pednekar Type of Loan Fixed will take
interest rate
Loan Amount 1,000,000 TM EMI 11,210 from the
Interest Rate 10.00% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 164 Total Amount Paid 1,837,316 from
Rightmost
Enter your data in Pale Blue colored cells. column.
Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet.
Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating
Amount Interest
Paid Rate
 fixed then It
Name: Kuldipak Pednekar Type of Loan Fixed will take
interest rate
Loan Amount 1,000,000 TM EMI 11,210 from the
Interest Rate 10.00% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 164 Total Amount Paid 1,837,316 from
Rightmost
Enter your data in Pale Blue colored cells. column.
Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet.
Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating
Amount Interest
Paid Rate
 fixed then It
Name: Kuldipak Pednekar Type of Loan Fixed will take
interest rate
Loan Amount 1,000,000 TM EMI 11,210 from the
Interest Rate 10.00% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 164 Total Amount Paid 1,837,316 from
Rightmost
Enter your data in Pale Blue colored cells. column.
Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet.
Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating
Amount Interest
Paid Rate
 Annual Budget Thanks for using-Kuldipak TM

Monthly Net Income Additional Income

Planned Savings
Income Type Amount Details Month Amount
Mid Year Bonus 1
Planned Monthly savings Year End Bonus 0.9

Available Cash 0 Total Additional Income 0 0.8

0.7

Monthly Expenses Planned Expenses 0.6

Expense Costs Expenditure Month Amount
0.5
Mortgage Home for Holidays
Taxes Gift for Family 0.4
Monthly Rent Family Vacation
0.3
Travel Deposit & Brokerage for House
Grocery 0.2
Lunch
0.1
PUB
0
Total Monthly Expenses 0 Total Planned Expenses 0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Annual Budget for MonthJan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Previous Month's Balance 0 0 0 0 0 0 0 0 0 0 0
Available Cash 0 0 0 0 0 0 0 0 0 0 0 0
Additional Income 0 0 0 0 0 0 0 0 0 0 0 0
Monthly Expenses 0 0 0 0 0 0 0 0 0 0 0 0
Planned Expenses 0 0 0 0 0 0 0 0 0 0 0 0
Savings 0 0 0 0 0 0 0 0 0 0 0 0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Expense Organizer Version 4.5 Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Can be best viewed in office 2007.
Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Income Eating Out
Salary Petrol/Diesel
Balace Adjustment Tour/ Vacation
User Defined Some kind of Travel
User Defined Grocery
0 Gift
Cloths
Investment Doctor
Mutual Funds User Defined
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shares/ Equity
Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total
User Defined Eating Out 0
0 Petrol/Diesel 0
Tour/ Vacation 0
One Time Expenses Some kind of Travel 0
Rent/ Maintenance Grocery 0
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
 Cash Flow Thanks for using - Kuldipak

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Cash on Hand
(beginning of 0 0 0 0 0 0 0 0 0 0 0 0
month)

INCOME
Salary 0 0 0 0 0 0 0 0 0 0 0 0
Balace Adjustment 0 0 0 0 0 0 0 0 0 0 0 0
User Defined 0 0 0 0 0 0 0 0 0 0 0 0
User Defined 0 0 0 0 0 0 0 0 0 0 0 0
TOTAL INCOME 0 0 0 0 0 0 0 0 0 0 0 0
Total Cash
Available (before 0 0 0 0 0 0 0 0 0 0 0 0
Expense)

EXPENSES
Rent/ Maintenance 0 0 0 0 0 0 0 0 0 0 0 0
Electricity Bill 0 0 0 0 0 0 0 0 0 0 0 0
Phone bills 0 0 0 0 0 0 0 0 0 0 0 0
Water Bill 0 0 0 0 0 0 0 0 0 0 0 0
Gadget & Gizmo 0 0 0 0 0 0 0 0 0 0 0 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0
User Defined 0 0 0 0 0 0 0 0 0 0 0 0
User Defined 0 0 0 0 0 0 0 0 0 0 0 0
User Defined 0 0 0 0 0 0 0 0 0 0 0 0

Eating Out 0 0 0 0 0 0 0 0 0 0 0 0
Petrol/Diesel 0 0 0 0 0 0 0 0 0 0 0 0
Tour/ Vacation 0 0 0 0 0 0 0 0 0 0 0 0
Some kind of Travel 0 0 0 0 0 0 0 0 0 0 0 0
Grocery 0 0 0 0 0 0 0 0 0 0 0 0
Gift 0 0 0 0 0 0 0 0 0 0 0 0
Cloths 0 0 0 0 0 0 0 0 0 0 0 0
Doctor 0 0 0 0 0 0 0 0 0 0 0 0
User Defined 0 0 0 0 0 0 0 0 0 0 0 0

TOTAL EXPENSES 0 0 0 0 0 0 0 0 0 0 0 0
Cash Position (end of
month) 0 0 0 0 0 0 0 0 0 0 0 0
 Jan Feb Mar Apr May Jun Jul Aug Sep
Budgeted Savings 0 0 0 0 0 0 0 0 0
Actual Savings 0 0 0 0 0 0 0 0 0

Income Daily Expenses Category Wise

Investment Gr
Salary 0 Eating Out 0 1
Balace Adjustment 0 Petrol/Diesel 0 0.9
User Defined 0 Tour/ Vacation 0 0.8
User Defined 0 Some kind of Travel 0 0.7
0 Grocery 0 0.6
0.5
Gift 0
0.4
Investment Cloths 0
0.3
Mutual Funds 0 Doctor 0
0.2
Insurance 0 User Defined 0
0.1
Shares/ Equity 0
0
Provident Fund 0 Investment Month Wise 0 2 4 6
User Defined 0 January 0 Daily E
0 February 0 1
March 0 1
One Time Expenses April 0 1
Rent/ Maintenance 0 May 0 1
Electricity Bill 0 June 0 1
Phone bills 0 July 0 0
Water Bill 0 August 0 0
Gadget & Gizmo 0 September 0 0
Insurance 0 October 0 0
0
User Defined 0 November 0
0
User Defined 0 December 0 0 2 4 6
User Defined 0
0

Yearly Income 0
Yearly Investment 0
Yearly Expenses 0
Yearly Saving 0

Month Wise Expenses

January 0
February 0
March 0
April 0
May 0
June 0
July 0
August 0
September 0
October 0
November 0
December 0

1 One time
1 1
1
1 1
1 1
1
1 0
0
0
0
0 0
0
0 0

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0

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0

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Ph
ai

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M

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0
t/

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en
1 2 3 4 5
R
 Oct Nov Dec
0 0 0
0 0 0

vestment Graph of the Year

4 6 8 10 12 14
Daily Expenses

4 6 8 10 12 14

Eating Out
Petrol/Diesel
Tour/ Vacation
Some kind of Travel
Grocery
Gift
Cloths
Doctor
User Defined
 Tour/ Vacation
Some kind of Travel
Grocery
Gift
Cloths
Doctor
User Defined

One time Expenses

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