Salary Budget Planner
What's Included in This Excel Finance Template📊 Financial Dashboard A live summary showing 12 key metrics — monthly income, monthly spend, savings rate, total debt, net worth, debt-to-income ratio, and more. Includes a Financial Health Score out of 100.💰 Salary & Income Tracker Break down your full CTC including Basic, HRA, Special Allowance, Conveyance, LTA, Bonus, and Variable Pay. Add freelance, rental, dividend, or business income separately.📅 Monthly Budget Planner Track budget vs actual spending across Needs, Wants, and Savings using the 50/30/20 rule. Auto-calculates variance, percentage of income, and over-budget alerts for every category.💳 EMI & Debt Planner List all your loans — home loan, car loan, personal loan, credit card, education loan. Automatically ranks them using Avalanche (highest interest first) or Snowball (smallest balance first) repayment strategy.📈 Investment Portfolio Tracker Track mutual funds, direct stocks, fixed deposits, RDs, PPF, NPS, and ELSS in one place. Shows invested amount, current value, gain/loss, and return % for each holding.🛡️ Insurance Coverage Audit Review all your life insurance, health insurance, and vehicle insurance policies. Auto-checks policy status against expiry date. Calculates recommended term cover based on 10× your annual income.🏆 Net Worth Calculator Calculates your true net worth by combining all assets (real estate, gold, EPF, investments) and subtracting all liabilities (loan balances pulled automatically from the Debt Planner). Includes a 12-month net worth history tracker.🗺️ 5-Year Financial Goal Planner with SIP Calculator Set up to 8 financial goals — emergency fund, home down payment, car, child education, retirement corpus, and more. Uses Excel's PMT function to calculate the exact monthly SIP amount needed to reach each goal. Checks affordability against your income.
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