Personal Finance Tracker for Professionals with Disha Jain

Salary, expenses, loans, credit cards, investments and net worth, all in one Excel workbook.

This one is built around how salaried professionals earn, spend and borrow. Track your pay from gross to net, keep an eye on EMIs and credit card due dates, follow your investments, and see your net worth grow, all in one place.

What’s inside (10 tabs)

1. Summary dashboard

Pick a month and year, and everything updates.

1. This month: gross income, net income, expenses, surplus, savings rate, deductions and charges, budget used and budget left.
2. Year to date (YTD): gross and net income, expenses, surplus, average monthly income and spending, YTD savings rate and YTD budget used. Choose an April start (Indian financial year) or a January start (calendar year)
3. Wealth snapshot: emergency fund (with months of expenses covered), total savings, investments, total debt, monthly EMIs, credit card dues, investment gain or loss and net worth.
4. Budget vs actual for 12 categories, for the month and year to date, with progress bars and Over budget / On track flags.
5. Monthly trend table for 12 months and a savings goals progress table.
6. Charts: spending by category (pie), budget vs actual (bar), net income vs expenses by month (bar) and where your gross income went (pie).

2. Salary: gross to net

Enter basic, HRA, other allowances and bonus. Then record Employee PF, ESI, Professional Tax, LWF, taxes and other deductions. Gross, total deductions and net salary are calculated for you. There is also a memo column for employer PF, which feeds your provident fund balance on the Net Worth tab.

3. Other Income

For freelance work, business income, digital product sales, interest and rent. Record the gross amount, then the payment gateway charges, commission or platform fee, TDS and other deductions. Net received is calculated.

4. Expenses

Log spending by date, description, category and payment mode (UPI, credit card, debit card, cash, net banking). Dropdown menus keep entries quick and tidy.

5. Savings Goals

Set a target and a date. See a progress bar, the amount remaining, months left and how much you need to save each month.

6. Debts

1. Loans: enter the principal, interest rate, number of instalments, first EMI date and instalments paid. The sheet works out your EMI, instalments left, total interest payable, total amount payable, principal outstanding, interest paid so far, next EMI due date and a repayment progress bar.
2. Credit cards: track the credit limit, statement date, due date, statement amount, minimum due, interest charged, late fee or penalty and amount paid. You get the outstanding amount, limit used (with a progress bar), days to due date and a status: Paid, Due in X days or Overdue.
3. Two charts show loans repaid vs outstanding and the mix of loans vs card dues.

7. Investments

List stocks, mutual funds, ETFs, gold, FDs, PPF/NPS and crypto. See invested amount, current value, profit or loss, return % and portfolio weight for each holding, plus monthly SIPs. A summary by type, an allocation pie chart and a bar chart show your portfolio at a glance. Prices can be entered manually. Excel for Microsoft 365 users can also use live prices for stocks.

8. Net Worth

1. Today’s position: assets (cash, investments, provident fund, other assets) minus liabilities (loans, card dues, other), with a debt-to-asset ratio.
2. Month-end history: record your figures each month and see your change in rupees and in percent.
3. Charts show your net worth trend, assets vs liabilities and your asset mix.

9. Setup

Rename categories, set budgets and edit the dropdown lists.

10. Start Here

A 6-step guide to get going in a few minutes.

Why you’ll like it

1. Formulas are ready, so no Excel skills are needed
2. Clean layout with no gridlines, in a single easy-to-read font
3. Negative numbers show in brackets, the way accountants prefer
4. Charts and progress bars on most tabs
5. Sample data is included so you can see how it works, and it is easy to clear
6. One-time purchase, no subscription, and no app or bank access needed. Your data stays in your file.

Who it’s for

1. Salaried professionals who want to see their gross-to-net pay clearly
2. Freelancers with a side income, who want to track charges and commission
3. Anyone paying EMIs or credit card bills who wants to stay on top of due dates
4. Investors who want SIPs, holdings and net worth in one view.

How it works

1. Download the file after purchase and open it in Microsoft Excel.
2. Follow the Start Here tab and clear the sample data.
3. Enter your salary, expenses, loans, cards and investments.
4. Open the Summary tab, choose a month, and see your numbers and charts.