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.

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 Colo

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 EM
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 o
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 differenc
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 th
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 year
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 ca
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 addr
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

Income Tax Slab Tax rateAppl. Amt.Balance Tax

$00,000 $20,000 0.00% $0 $0 $0
$20,001 $30,000 3.50% $0 $0 $0
$30,001 $40,000 5.50% $0 $0 $0
$40,001 $80,000 8.50% $0 $0 $0
$80,001 $160,000 14.00% $0 $0 $0
$160,001 $320,000 17.00% $0 $0 $0
>$320000 20.00% $0 $0
TOTAL TAX $0
 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 10.75% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 180 Total Amount Paid 2,017,583 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 8,958 2,252 997,748 10.25%
2 22-Feb-08 997,748 11,210 8,938 2,272 995,476 10.25%
3 22-Mar-08 995,476 11,210 8,918 2,292 993,184 10.25%
4 22-Apr-08 993,184 11,210 8,897 2,313 990,871 10.25%
5 ### 990,871 11,210 8,877 2,333 988,538 10.25%
6 22-Jun-08 988,538 11,210 8,856 2,354 986,184 10.25%
7 22-Jul-08 986,184 11,210 8,835 2,375 983,809 10.25%
8 22-Aug-08 983,809 11,210 8,813 2,397 981,412 10.75%
9 22-Sep-08 981,412 11,210 8,792 2,418 978,994 10.75%
10 22-Oct-08 978,994 11,210 8,770 2,440 976,554 10.75%
11 22-Nov-08 976,554 11,210 8,748 2,462 974,092 10.75%
12 22-Dec-08 974,092 11,210 8,726 2,484 971,608 10.75%
13 22-Jan-09 971,608 11,210 8,704 2,506 969,102 10.75%
14 22-Feb-09 969,102 11,210 8,682 2,528 966,574 10.75%
15 22-Mar-09 966,574 11,210 8,659 2,551 964,023 10.75%
16 22-Apr-09 964,023 11,210 8,636 2,574 961,449 10.75%
17 ### 961,449 11,210 8,613 2,597 958,852 10.75%
18 22-Jun-09 958,852 11,210 8,590 2,620 956,232 10.75%
19 22-Jul-09 956,232 11,210 8,566 2,644 953,588 10.75%
20 22-Aug-09 953,588 11,210 8,543 2,667 950,921 10.75%
21 22-Sep-09 950,921 11,210 8,519 2,691 948,230 10.75%
22 22-Oct-09 948,230 11,210 8,495 2,715 945,515 10.75%
23 22-Nov-09 945,515 11,210 8,470 2,740 942,775 10.75%
24 22-Dec-09 942,775 11,210 8,446 2,764 940,011 10.75%
25 22-Jan-10 940,011 11,210 8,421 2,789 937,222 10.75%
26 22-Feb-10 937,222 11,210 8,396 2,814 934,408 10.75%
27 22-Mar-10 934,408 11,210 8,371 2,839 931,569 10.75%
28 22-Apr-10 931,569 11,210 8,345 2,865 928,704 10.75%
29 ### 928,704 11,210 8,320 2,890 925,814 10.75%
30 22-Jun-10 925,814 11,210 8,294 2,916 922,898 10.75%
31 22-Jul-10 922,898 11,210 8,268 2,942 919,956 10.75%
32 22-Aug-10 919,956 11,210 8,241 2,969 916,987 10.75%
33 22-Sep-10 916,987 11,210 8,215 2,995 913,992 10.75%
34 22-Oct-10 913,992 11,210 8,188 3,022 910,970 10.75%
35 22-Nov-10 910,970 11,210 8,161 3,049 907,921 10.75%
36 22-Dec-10 907,921 11,210 8,133 3,077 904,844 10.75%
37 22-Jan-11 904,844 11,210 8,106 3,104 901,740 10.75%
38 22-Feb-11 901,740 11,210 8,078 3,132 898,608 10.75%
39 22-Mar-11 898,608 11,210 8,050 3,160 895,448 10.75%
40 22-Apr-11 895,448 11,210 8,022 3,188 892,260 10.75%
41 ### 892,260 11,210 7,993 3,217 889,043 10.75%
42 22-Jun-11 889,043 11,210 7,964 3,246 885,797 10.75%
43 22-Jul-11 885,797 11,210 7,935 3,275 882,522 10.75%
44 22-Aug-11 882,522 11,210 7,906 3,304 879,218 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 10.75% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 180 Total Amount Paid 2,017,583 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-11 879,218 11,210 7,876 3,334 875,884 10.75%
46 22-Oct-11 875,884 11,210 7,846 3,364 872,520 10.75%
47 22-Nov-11 872,520 11,210 7,816 3,394 869,126 10.75%
48 22-Dec-11 869,126 11,210 7,786 3,424 865,702 10.75%
49 22-Jan-12 865,702 11,210 7,755 3,455 862,247 10.75%
50 22-Feb-12 862,247 11,210 7,724 3,486 858,761 10.75%
51 22-Mar-12 858,761 11,210 7,693 3,517 855,244 10.75%
52 22-Apr-12 855,244 11,210 7,662 3,548 851,696 10.75%
53 ### 851,696 11,210 7,630 3,580 848,116 10.75%
54 22-Jun-12 848,116 11,210 7,598 3,612 844,504 10.75%
55 22-Jul-12 844,504 11,210 7,565 3,645 840,859 10.75%
56 22-Aug-12 840,859 11,210 7,533 3,677 837,182 10.75%
57 22-Sep-12 837,182 11,210 7,500 3,710 833,472 10.75%
58 22-Oct-12 833,472 11,210 7,467 3,743 829,729 10.75%
59 22-Nov-12 829,729 11,210 7,433 3,777 825,952 10.75%
60 22-Dec-12 825,952 11,210 7,399 3,811 822,141 10.75%
61 22-Jan-13 822,141 11,210 7,365 3,845 818,296 10.75%
62 22-Feb-13 818,296 11,210 7,331 3,879 814,417 10.75%
63 22-Mar-13 814,417 11,210 7,296 3,914 810,503 10.75%
64 22-Apr-13 810,503 11,210 7,261 3,949 806,554 10.75%
65 ### 806,554 11,210 7,225 3,985 802,569 10.75%
66 22-Jun-13 802,569 11,210 7,190 4,020 798,549 10.75%
67 22-Jul-13 798,549 11,210 7,154 4,056 794,493 10.75%
68 22-Aug-13 794,493 11,210 7,117 4,093 790,400 10.75%
69 22-Sep-13 790,400 11,210 7,081 4,129 786,271 10.75%
70 22-Oct-13 786,271 11,210 7,044 4,166 782,105 10.75%
71 22-Nov-13 782,105 11,210 7,006 4,204 777,901 10.75%
72 22-Dec-13 777,901 11,210 6,969 4,241 773,660 10.75%
73 22-Jan-14 773,660 11,210 6,931 4,279 769,381 10.75%
74 22-Feb-14 769,381 11,210 6,892 4,318 765,063 10.75%
75 22-Mar-14 765,063 11,210 6,854 4,356 760,707 10.75%
76 22-Apr-14 760,707 11,210 6,815 4,395 756,312 10.75%
77 ### 756,312 11,210 6,775 4,435 751,877 10.75%
78 22-Jun-14 751,877 11,210 6,736 4,474 747,403 10.75%
79 22-Jul-14 747,403 11,210 6,695 4,515 742,888 10.75%
80 22-Aug-14 742,888 11,210 6,655 4,555 738,333 10.75%
81 22-Sep-14 738,333 11,210 6,614 4,596 733,737 10.75%
82 22-Oct-14 733,737 11,210 6,573 4,637 729,100 10.75%
83 22-Nov-14 729,100 11,210 6,532 4,678 724,422 10.75%
84 22-Dec-14 724,422 11,210 6,490 4,720 719,702 10.75%
85 22-Jan-15 719,702 11,210 6,447 4,763 714,939 10.75%
86 22-Feb-15 714,939 11,210 6,405 4,805 710,134 10.75%
87 22-Mar-15 710,134 11,210 6,362 4,848 705,286 10.75%
88 22-Apr-15 705,286 11,210 6,318 4,892 700,394 10.75%
89 ### 700,394 11,210 6,274 4,936 695,458 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 10.75% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 180 Total Amount Paid 2,017,583 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-15 695,458 11,210 6,230 4,980 690,478 10.75%
91 22-Jul-15 690,478 11,210 6,186 5,024 685,454 10.75%
92 22-Aug-15 685,454 11,210 6,141 5,069 680,385 10.75%
93 22-Sep-15 680,385 11,210 6,095 5,115 675,270 10.75%
94 22-Oct-15 675,270 11,210 6,049 5,161 670,109 10.75%
95 22-Nov-15 670,109 11,210 6,003 5,207 664,902 10.75%
96 22-Dec-15 664,902 11,210 5,956 5,254 659,648 10.75%
97 22-Jan-16 659,648 11,210 5,909 5,301 654,347 10.75%
98 22-Feb-16 654,347 11,210 5,862 5,348 648,999 10.75%
99 22-Mar-16 648,999 11,210 5,814 5,396 643,603 10.75%
100 22-Apr-16 643,603 11,210 5,766 5,444 638,159 10.75%
101 ### 638,159 11,210 5,717 5,493 632,666 10.75%
102 22-Jun-16 632,666 11,210 5,668 5,542 627,124 10.75%
103 22-Jul-16 627,124 11,210 5,618 5,592 621,532 10.75%
104 22-Aug-16 621,532 11,210 5,568 5,642 615,890 10.75%
105 22-Sep-16 615,890 11,210 5,517 5,693 610,197 10.75%
106 22-Oct-16 610,197 11,210 5,466 5,744 604,453 10.75%
107 22-Nov-16 604,453 11,210 5,415 5,795 598,658 10.75%
108 22-Dec-16 598,658 11,210 5,363 5,847 592,811 10.75%
109 22-Jan-17 592,811 11,210 5,311 5,899 586,912 10.75%
110 22-Feb-17 586,912 11,210 5,258 5,952 580,960 10.75%
111 22-Mar-17 580,960 11,210 5,204 6,006 574,954 10.75%
112 22-Apr-17 574,954 11,210 5,151 6,059 568,895 10.75%
113 ### 568,895 11,210 5,096 6,114 562,781 10.75%
114 22-Jun-17 562,781 11,210 5,042 6,168 556,613 10.75%
115 22-Jul-17 556,613 11,210 4,986 6,224 550,389 10.75%
116 22-Aug-17 550,389 11,210 4,931 6,279 544,110 10.75%
117 22-Sep-17 544,110 11,210 4,874 6,336 537,774 10.75%
118 22-Oct-17 537,774 11,210 4,818 6,392 531,382 10.75%
119 22-Nov-17 531,382 11,210 4,760 6,450 524,932 10.75%
120 22-Dec-17 524,932 11,210 4,703 6,507 518,425 10.75%
121 22-Jan-18 518,425 11,210 4,644 6,566 511,859 10.75%
122 22-Feb-18 511,859 11,210 4,585 6,625 505,234 10.75%
123 22-Mar-18 505,234 11,210 4,526 6,684 498,550 10.75%
124 22-Apr-18 498,550 11,210 4,466 6,744 491,806 10.75%
125 ### 491,806 11,210 4,406 6,804 485,002 10.75%
126 22-Jun-18 485,002 11,210 4,345 6,865 478,137 10.75%
127 22-Jul-18 478,137 11,210 4,283 6,927 471,210 10.75%
128 22-Aug-18 471,210 11,210 4,221 6,989 464,221 10.75%
129 22-Sep-18 464,221 11,210 4,159 7,051 457,170 10.75%
130 22-Oct-18 457,170 11,210 4,095 7,115 450,055 10.75%
131 22-Nov-18 450,055 11,210 4,032 7,178 442,877 10.75%
132 22-Dec-18 442,877 11,210 3,967 7,243 435,634 10.75%
133 22-Jan-19 435,634 11,210 3,903 7,307 428,327 10.75%
134 22-Feb-19 428,327 11,210 3,837 7,373 420,954 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 10.75% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 180 Total Amount Paid 2,017,583 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-19 420,954 11,210 3,771 7,439 413,515 10.75%
136 22-Apr-19 413,515 11,210 3,704 7,506 406,009 10.75%
137 ### 406,009 11,210 3,637 7,573 398,436 10.75%
138 22-Jun-19 398,436 11,210 3,569 7,641 390,795 10.75%
139 22-Jul-19 390,795 11,210 3,501 7,709 383,086 10.75%
140 22-Aug-19 383,086 11,210 3,432 7,778 375,308 10.75%
141 22-Sep-19 375,308 11,210 3,362 7,848 367,460 10.75%
142 22-Oct-19 367,460 11,210 3,292 7,918 359,542 10.75%
143 22-Nov-19 359,542 11,210 3,221 7,989 351,553 10.75%
144 22-Dec-19 351,553 11,210 3,149 8,061 343,492 10.75%
145 22-Jan-20 343,492 11,210 3,077 8,133 335,359 10.75%
146 22-Feb-20 335,359 11,210 3,004 8,206 327,153 10.75%
147 22-Mar-20 327,153 11,210 2,931 8,279 318,874 10.75%
148 22-Apr-20 318,874 11,210 2,857 8,353 310,521 10.75%
149 ### 310,521 11,210 2,782 8,428 302,093 10.75%
150 22-Jun-20 302,093 11,210 2,706 8,504 293,589 10.75%
151 22-Jul-20 293,589 11,210 2,630 8,580 285,009 10.75%
152 22-Aug-20 285,009 11,210 2,553 8,657 276,352 10.75%
153 22-Sep-20 276,352 11,210 2,476 8,734 267,618 10.75%
154 22-Oct-20 267,618 11,210 2,397 8,813 258,805 10.75%
155 22-Nov-20 258,805 11,210 2,318 8,892 249,913 10.75%
156 22-Dec-20 249,913 11,210 2,239 8,971 240,942 10.75%
157 22-Jan-21 240,942 11,210 2,158 9,052 231,890 10.75%
158 22-Feb-21 231,890 11,210 2,077 9,133 222,757 10.75%
159 22-Mar-21 222,757 11,210 1,996 9,214 213,543 10.75%
160 22-Apr-21 213,543 11,210 1,913 9,297 204,246 10.75%
161 ### 204,246 11,210 1,830 9,380 194,866 10.75%
162 22-Jun-21 194,866 11,210 1,746 9,464 185,402 10.75%
163 22-Jul-21 185,402 11,210 1,661 9,549 175,853 10.75%
164 22-Aug-21 175,853 11,210 1,575 9,635 166,218 10.75%
165 22-Sep-21 166,218 11,210 1,489 9,721 156,497 10.75%
166 22-Oct-21 156,497 11,210 1,402 9,808 146,689 10.75%
167 22-Nov-21 146,689 11,210 1,314 9,896 136,793 10.75%
168 22-Dec-21 136,793 11,210 1,225 9,985 126,808 10.75%
169 22-Jan-22 126,808 11,210 1,136 10,074 116,734 10.75%
170 22-Feb-22 116,734 11,210 1,046 10,164 106,570 10.75%
171 22-Mar-22 106,570 11,210 955 10,255 96,315 10.75%
172 22-Apr-22 96,315 11,210 863 10,347 85,968 10.75%
173 ### 85,968 11,210 770 10,440 75,528 10.75%
174 22-Jun-22 75,528 11,210 677 10,533 64,995 10.75%
175 22-Jul-22 64,995 11,210 582 10,628 54,367 10.75%
176 22-Aug-22 54,367 11,210 487 10,723 43,644 10.75%
177 22-Sep-22 43,644 11,210 391 10,819 32,825 10.75%
178 22-Oct-22 32,825 11,210 294 10,916 21,909 10.75%
179 22-Nov-22 21,909 11,210 196 11,014 10,895 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 10.75% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 180 Total Amount Paid 2,017,583 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
180 22-Dec-22 10,895 10,993 98 10,895 0 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 10.75% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 180 Total Amount Paid 2,017,583 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 10.75% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 180 Total Amount Paid 2,017,583 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 10.75% Start Date 22-Jan-08 Row no. 4
otherwise
No. of Months EMI paid 180 Total Amount Paid 2,017,583 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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ce
0

bi
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0

o
nt

Ph
ai

ge
M

ad
0
t/

G
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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