XploreMoney is a personal finance manager in one Excel file for salaried people and families in India. Type what comes in and what goes out. It shows where your money went, how long your loans will run, whether you’re saving enough for each goal, and which tax regime saves you more. Nothing to link to your bank — your numbers stay in your own file.
What’s inside
- Money in & out: date, amount, category and the account or card you paid from. Up to 3,000 entries a year.
- Budget vs actual: monthly budget per category, what you spent each month, and where you went over.
- 50 / 30 / 20 check: your Needs, Wants and Savings share against the ideal split.
- Every card & account: up to 22 bank accounts, credit cards and UPI, with the spend through each one.
- Loans & EMIs: outstanding, interest this year and debt-free date for every loan, plus a prepayment planner (cut tenure or cut EMI).
- Investments & goals: SIPs, PPF, FDs, gold and more, linked to goals with the inflation-adjusted cost and the extra SIP you need.
- Net worth: what you own minus what you owe, a monthly history and emergency-fund months.
- Salary & income tax, FY 2026-27: old vs new regime with HRA, 80C, 80D, 80CCD(1B), home-loan interest and rebate; take-home pay, EPF or NPS / GPF for government staff, and gratuity.
- Dashboard: this month, loans, goals, wealth and tax on one page, with two charts.
What you get
- XploreMoney 1.0 – Blank (Start Here).xlsx for your own money
- XploreMoney 1.0 – Sample Data (Demo).xlsx: a filled example to explore
- A built-in How to Use sheet and a README
Requirements
Microsoft Excel 2016 or later on Windows or Mac, the free Excel app on Android or iPhone, or Google Sheets. No macros, works offline. Yellow cells are for typing; the formulas are locked so a wrong key can’t break your totals.
Digital file, so no refunds — but if the file doesn’t work for you, we’ll fix it.
XploreMoney is a planning tool, not tax or investment advice. Returns are assumptions and tax figures are estimates — confirm with your CA before filing.
Reviews
There are no reviews yet.