Personal Finance Command Centre — Budget, Investments, EMI & Net Worth in Rupees

Your whole financial life on one screen.

Your salary lands in one bank, your SIP runs from another, your EMI goes out on the 5th, and you have no single place that tells you whether you're actually getting ahead. Most finance templates are American — dollars, 401(k)s, and no idea what a PPF is.

This one is built in rupees, for how money actually works in India.

Six sheets:

📊 Dashboard — Income, spending, savings rate, investment returns, emergency cover and net worth, all pulled from the other sheets. You type nothing here.

💸 Monthly Budget — Planned vs actual across income, essentials, lifestyle and investments. The difference column shows where the money really went, not where you meant it to go.

📈 Investments — SIPs, stocks, FDs, PPF, EPF, NPS and gold in one table, each with gain or loss and return. Only one column needs regular updating.

🏦 EMI Calculator — The monthly figure, yes — but more importantly the total interest. A ₹25 lakh loan over 20 years at 8.7% costs ₹27.8 lakh in interest. That's 111% of what you borrowed, and most people never see the number.

🛟 Emergency Fund — How many months you'd survive with no income, calculated from your real essential spending rather than a guess.

📅 Net Worth — Everything you own minus everything you owe, one row a month. Twelve rows a year is the whole commitment.

Built properly:
✓ 182 live formulas — every figure updates itself
✓ Indian categories throughout: PPF, EPF, NPS, SIP, gold
✓ Colour-coded: yellow you fill, shaded calculates itself
✓ Worked example already filled in so nothing is ambiguous
✓ Works in Excel, Google Sheets, LibreOffice and Numbers
✓ Instant download, lifetime access

A tracking tool, not financial advice. Nothing here recommends any investment. For decisions about investments, insurance or tax, speak to a SEBI-registered investment adviser or a qualified CA.