{"id":542,"date":"2026-10-29T19:31:10","date_gmt":"2026-10-29T19:31:10","guid":{"rendered":"https:\/\/xplorexcel.com\/store\/xploremoney\/"},"modified":"2026-10-29T19:32:31","modified_gmt":"2026-10-29T19:32:31","slug":"xploremoney","status":"publish","type":"page","link":"https:\/\/xplorexcel.com\/store\/xploremoney\/","title":{"rendered":"XploreMoney \u2013 Personal Finance Manager in Excel"},"content":{"rendered":"\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Bricolage+Grotesque:opsz,wght@12..96,700;12..96,800&#038;family=IBM+Plex+Mono:wght@500&#038;family=IBM+Plex+Sans:wght@400;500;600&#038;display=swap\" rel=\"stylesheet\">\n<style>\n.xm{--g:#3F3D99;--gd:#2A2870;--ink:#1D1B4F;--mut:#4F4D6B;--mut2:#36345A;--bg:#F7F7FB;--line:#DDDCEB;--soft:#ECEBFA;--amber:#F2C94C;\nbackground:var(--bg);color:var(--ink);font-family:'IBM Plex 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18px;font-size:16px}\n.xm{padding-bottom:70px}\n}\n<\/style>\n\n\n<div class=\"xm\">\n\n<div class=\"wrap\">\n<section class=\"hero\">\n<div class=\"hero-txt\">\n<p class=\"eyebrow\">For salaried families &amp; individuals<\/p>\n<h1>Your salary, budget, EMIs, SIPs and tax in one Excel file.<\/h1>\n<p class=\"sub\">Type what comes in and what goes out. XploreMoney shows where your money went, how long your loans will run, whether you&#8217;re saving enough for each goal \u2014 and which tax regime saves you more.<\/p>\n<div class=\"ctas\">\n<a class=\"btn btn-p\" href=\"#xm-buy\">Get XploreMoney \u2014 \u20b9199<\/a>\n<a class=\"btn btn-o\" href=\"#xm-sheets\">See the sheets<\/a>\n<\/div>\n<ul class=\"badges\">\n<li><svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#3F3D99\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M12 4v11\"\/><path d=\"M7 10l5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Instant Download<\/li>\n<li><svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#3F3D99\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M12 12c-2-2.7-4-4-6-4a4 4 0 0 0 0 8c2 0 4-1.3 6-4zm0 0c2 2.7 4 4 6 4a4 4 0 0 0 0-8c-2 0-4 1.3-6 4z\"\/><\/svg>Lifetime Access<\/li>\n<li><svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#3F3D99\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M5 12l5 5L20 7\"\/><\/svg>Pay once, no monthly fee<\/li>\n<li><svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#3F3D99\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M5 12l5 5L20 7\"\/><\/svg>Works on phone and PC<\/li>\n<\/ul>\n<\/div>\n<figure class=\"hero-img\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-1-cover.jpg\" width=\"1080\" height=\"1080\" alt=\"XploreMoney personal finance manager in Excel \u2013 budget, loans, SIPs, goals and income tax\"><\/figure>\n<\/section>\n<\/div>\n\n<section class=\"strip\"><div class=\"wrap grid\">\n<div><strong>No bank login<\/strong>Nothing to link or share. Your numbers stay in your own file.<\/div>\n<div><strong>Made for Indian money<\/strong>\u20b9 lakh format, EMIs, SIPs, PPF, EPF \/ NPS, HRA, 80C, old vs new regime.<\/div>\n<div><strong>Totals never break<\/strong>You type only in the yellow boxes. The formulas are locked.<\/div>\n<div><strong>Made in Punjab<\/strong>Built by XplorExcel, Hoshiarpur.<\/div>\n<\/div><\/section>\n\n<section class=\"sec\"><div class=\"wrap\">\n<h2>Know where every rupee went<\/h2>\n<div class=\"ba\" style=\"margin-top:26px\">\n<div class=\"old\"><p class=\"eyebrow\">Without a plan<\/p><ul>\n<li>Salary comes in, and by the 20th you wonder where it went<\/li>\n<li>Five credit cards, and no idea how much went on each<\/li>\n<li>EMIs paid every month, but no idea when you&#8217;ll be debt-free<\/li>\n<li>SIPs running, but are they enough for your child&#8217;s education?<\/li>\n<li>Every March: old regime or new? Guesswork.<\/li>\n<\/ul><\/div>\n<div class=\"new\"><p class=\"eyebrow\">With XploreMoney<\/p><ul>\n<li>Budget vs actual for every category, with overspends in red<\/li>\n<li>Spending per bank account and credit card, month by month<\/li>\n<li>Outstanding, interest and debt-free date for every loan \u2014 and what a prepayment saves<\/li>\n<li>For each goal: future cost after inflation and the extra SIP you need<\/li>\n<li>Your tax in both regimes, side by side, with the better one picked for you<\/li>\n<\/ul><\/div>\n<\/div>\n<\/div><\/section>\n\n<section class=\"sec\" style=\"padding-top:0\"><div class=\"wrap\">\n<h2>What you get<\/h2>\n<p class=\"lead\">One connected Excel file. Type a transaction once and every page updates.<\/p>\n<div class=\"grid\">\n<div class=\"card\"><p class=\"num\">01<\/p><h3>Money in &amp; out<\/h3><p>Date, amount, category and the account or card you paid from. Up to 3,000 entries a year.<\/p><\/div>\n<div class=\"card\"><p class=\"num\">02<\/p><h3>Budget vs actual<\/h3><p>Monthly budget per category. See what you spent each month, and where you went over.<\/p><\/div>\n<div class=\"card\"><p class=\"num\">03<\/p><h3>50 \/ 30 \/ 20 check<\/h3><p>Your Needs, Wants and Savings share against the ideal split, and the difference.<\/p><\/div>\n<div class=\"card\"><p class=\"num\">04<\/p><h3>Every card &amp; account<\/h3><p>Up to 22 bank accounts, credit cards and UPI. See the spend through each one.<\/p><\/div>\n<div class=\"card\"><p class=\"num\">05<\/p><h3>Loans &amp; EMIs<\/h3><p>Home, car, personal and credit-card EMIs: outstanding, interest this year and debt-free date. Prepayment planner: cut tenure or cut EMI?<\/p><\/div>\n<div class=\"card\"><p class=\"num\">06<\/p><h3>Investments &amp; goals<\/h3><p>SIPs, PPF, FDs, gold and more. Link them to goals and see if you&#8217;re on track.<\/p><\/div>\n<div class=\"card\"><p class=\"num\">07<\/p><h3>Net worth<\/h3><p>What you own minus what you owe, a monthly history, and how many months your emergency fund covers.<\/p><\/div>\n<div class=\"card hl\"><p class=\"num\"><span>08<\/span><span class=\"tag\">FY 2026-27<\/span><\/p><h3>Salary &amp; income tax<\/h3><p>Old vs new regime with HRA, 80C, 80D, 80CCD(1B), home-loan interest and rebate. Take-home pay, PF or NPS \/ GPF for government staff, and gratuity.<\/p><\/div>\n<div class=\"card\"><p class=\"num\">09<\/p><h3>Dashboard<\/h3><p>This month, loans, goals, wealth and tax on one page, with two charts.<\/p><\/div>\n<\/div>\n<\/div><\/section>\n\n<section class=\"sec\" style=\"padding-top:0\" id=\"xm-sheets\"><div class=\"wrap\">\n<h2>See the real sheets<\/h2>\n<p class=\"lead\">These pages come from the sample file included in your download, filled in for a sample family.<\/p>\n<div class=\"gal\">\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-2-dashboard.jpg\" width=\"1200\" height=\"1200\" loading=\"lazy\" alt=\"Personal finance dashboard in Excel with income, spending, savings rate, EMIs, net worth and tax\"><figcaption>Dashboard \u2014 your money at a glance<\/figcaption><\/figure>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-3-transactions.jpg\" width=\"1200\" height=\"1200\" loading=\"lazy\" alt=\"Income and expense tracker in Excel with category and bank account or credit card\"><figcaption>Daily money in &amp; out<\/figcaption><\/figure>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-4-budget.jpg\" width=\"1200\" height=\"1200\" loading=\"lazy\" alt=\"Monthly budget vs actual spending in Excel with overspending in red\"><figcaption>Budget vs actual, month by month<\/figcaption><\/figure>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-5-50-30-20.jpg\" width=\"1200\" height=\"1200\" loading=\"lazy\" alt=\"50 30 20 budget rule check in Excel \u2013 needs, wants and savings share\"><figcaption>Your budget vs the 50\/30\/20 rule<\/figcaption><\/figure>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-6-cards-accounts.jpg\" width=\"1200\" height=\"1200\" loading=\"lazy\" alt=\"Excel report of monthly spending per credit card and bank account\"><figcaption>Spending by card and bank account<\/figcaption><\/figure>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-7-loans.jpg\" width=\"1200\" height=\"1200\" loading=\"lazy\" alt=\"Loan EMI tracker in Excel with outstanding balance, debt-free date and prepayment calculator\"><figcaption>All loans, EMIs and prepayment planner<\/figcaption><\/figure>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-8-investments.jpg\" width=\"1200\" height=\"1200\" loading=\"lazy\" alt=\"Investment tracker in Excel for SIP, mutual funds, PPF, FD, gold with gain and 80C\"><figcaption>SIPs, PPF, FDs and gold<\/figcaption><\/figure>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-9-goals.jpg\" width=\"1200\" height=\"1200\" loading=\"lazy\" alt=\"Financial goal planner in Excel with inflation-adjusted cost and extra SIP needed\"><figcaption>Goals \u2014 am I saving enough?<\/figcaption><\/figure>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-10-net-worth.jpg\" width=\"1200\" height=\"1200\" loading=\"lazy\" alt=\"Net worth calculator in Excel with emergency fund check\"><figcaption>Net worth and emergency fund<\/figcaption><\/figure>\n<figure><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-11-tax.jpg\" width=\"1200\" height=\"1200\" loading=\"lazy\" alt=\"Income tax calculator in Excel comparing old and new regime with HRA, 80C, 80D, NPS\"><figcaption>Old vs new tax regime, FY 2026-27<\/figcaption><\/figure>\n<\/div>\n<\/div><\/section>\n\n<section class=\"sec\" style=\"padding-top:0\"><div class=\"wrap fit\">\n<div>\n<h2>Made for<\/h2>\n<ul style=\"margin-top:14px\">\n<li>Salaried people \u2014 private, central or state government<\/li>\n<li>Families who want one place for the whole household&#8217;s money<\/li>\n<li>Anyone with EMIs, credit cards or SIPs to keep track of<\/li>\n<li>People who choose between the old and new tax regime every year<\/li>\n<\/ul>\n<\/div>\n<div class=\"notfit\">\n<h2>Not the right fit if<\/h2>\n<ul>\n<li>You want it to pull transactions from your bank automatically \u2014 you type them in<\/li>\n<li>You have business income or capital gains to calculate \u2014 it covers salary and normal-rate income<\/li>\n<li>You want it to file your ITR \u2014 it shows the figures; filing is on the income tax portal or by your CA<\/li>\n<\/ul>\n<\/div>\n<\/div><\/section>\n\n<section class=\"pricing\" id=\"xm-buy\"><div class=\"wrap sec\">\n<h2>One price, everything included<\/h2>\n<p class=\"lead\">No editions to choose between. One file with every sheet.<\/p>\n<div class=\"plans\" style=\"max-width:520px\">\n<div class=\"plan best\">\n<p class=\"pill\">Full workbook<\/p>\n<p class=\"eyebrow\">XploreMoney 1.0<\/p>\n<p class=\"price\">\u20b9199<\/p>\n<ul>\n<li>Blank file to start your own, plus a filled sample file to explore<\/li>\n<li>Budget, transactions, cards &amp; accounts, loans, investments, goals, net worth<\/li>\n<li>Salary, PF \/ NPS \/ GPF, HRA and old vs new tax for FY 2026-27<\/li>\n<li>Works on phone and PC \u2014 no macros, nothing to unblock<\/li>\n<\/ul>\n<button type=\"button\" class=\"xe-qb-open btn btn-p\" data-pid=\"541\" data-name=\"XploreMoney \u2013 Personal Finance Manager\" data-price=\"\u20b9199.00\" data-thumb=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-1-cover.jpg\">Buy now \u2014 \u20b9199<\/button>\n<\/div>\n<\/div>\n<p class=\"fine\">Pay with UPI, cards or net banking. The download link appears straight after payment and is emailed to you.<br>Digital file, so no refunds \u2014 but if the file doesn&#8217;t work for you, we&#8217;ll fix it.<\/p>\n<\/div><\/section>\n\n<section class=\"sec\" style=\"padding-top:0\"><div class=\"wrap\">\n<div class=\"about\">\n<h2>Hi, I&#8217;m Amanpreet<\/h2>\n<p style=\"margin-top:10px\">I run XplorExcel from Punjab and build these files for the way Indian families and small businesses actually work. If something in the file doesn&#8217;t make sense, <a href=\"https:\/\/xplorexcel.com\/contact-us\/\">message me<\/a>.<\/p>\n<\/div>\n<\/div><\/section>\n\n<section class=\"sec\" style=\"padding-top:0\"><div class=\"wrap faq\">\n<h2 style=\"margin-bottom:22px\">Questions<\/h2>\n<div>\n<details><summary>Will it work on my phone?<\/summary><p>Yes. It&#8217;s a normal Excel file with no macros, so it works in the Excel app on Android and iPhone as well as on Windows and Mac.<\/p><\/details>\n<details><summary>Which Excel do I need?<\/summary><p>Excel 2016, 2019, 2021 or Microsoft 365 on Windows or Mac, or the free Excel app on your phone.<\/p><\/details>\n<details><summary>Do I have to link my bank account?<\/summary><p>No. Nothing is linked and nothing is uploaded. You type your transactions \u2014 it takes a minute a day \u2014 and the file stays on your device.<\/p><\/details>\n<details><summary>Is the tax figure exact?<\/summary><p>It follows FY 2026-27 slabs, standard deduction, rebate, surcharge and cess, and works in HRA, 80C, 80D, 80CCD(1B), NPS and home-loan interest. Treat it as a planning estimate and confirm with your CA before filing.<\/p><\/details>\n<details><summary>I&#8217;m a government employee. Does it handle NPS or GPF?<\/summary><p>Yes. Pick your employer type first: private (EPF), government with NPS, or government with the old pension (GPF). The PF \/ NPS \/ GPF deductions, tax and gratuity follow your choice.<\/p><\/details>\n<details><summary>Why are my senior-citizen slabs different?<\/summary><p>You type your date of birth once. The file works out your age for the year and uses only the slabs that apply to you.<\/p><\/details>\n<details><summary>What happens when the tax rules change?<\/summary><p>All slabs and limits are on one Tax Rates page. Change them there after the Budget and every calculation updates.<\/p><\/details>\n<details><summary>Why can&#8217;t I edit some cells?<\/summary><p>The formulas are locked so a wrong key can&#8217;t break your totals. You type only in the yellow boxes.<\/p><\/details>\n<details><summary>How do I start a new financial year?<\/summary><p>Save a copy of the file, change the financial-year start date on Setup and clear the transactions. Your loans, investments and goals carry on as they are.<\/p><\/details>\n<details><summary>How do I get the file?<\/summary><p>The download link appears as soon as payment goes through and is also sent to your email. You can download it again anytime \u2014 there is no expiry.<\/p><\/details>\n<\/div>\n<\/div><\/section>\n\n<section class=\"final\"><div class=\"wrap\">\n<div style=\"flex:1 1 420px;min-width:0\">\n<h2>Take charge of this month&#8217;s salary.<\/h2>\n<p style=\"margin-top:8px\">\u20b9199 \u00b7 Pay once \u00b7 Instant Download \u00b7 Lifetime Access<\/p>\n<\/div>\n<button type=\"button\" class=\"xe-qb-open btn btn-y\" data-pid=\"541\" data-name=\"XploreMoney \u2013 Personal Finance Manager\" data-price=\"\u20b9199.00\" data-thumb=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-1-cover.jpg\">Buy XploreMoney \u2014 \u20b9199<\/button>\n<\/div><\/section>\n\n<div class=\"mbar\"><span style=\"font-weight:600\">XploreMoney <span style=\"font-family:'IBM Plex Mono',monospace\">\u20b9199<\/span><\/span><button type=\"button\" class=\"xe-qb-open btn btn-p\" data-pid=\"541\" data-name=\"XploreMoney \u2013 Personal Finance Manager\" data-price=\"\u20b9199.00\" data-thumb=\"https:\/\/xplorexcel.com\/store\/wp-content\/uploads\/2026\/10\/xploremoney-1-cover.jpg\">Buy now<\/button><\/div>\n\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>For salaried families &amp; individuals Your salary, budget, EMIs, SIPs and tax in one Excel file. Type what comes in and what goes out. XploreMoney shows where your money went, how long your loans will run, whether you&#8217;re saving enough for each goal \u2014 and which tax regime saves you more. Get XploreMoney \u2014 \u20b9199 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":518,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-542","page","type-page","status-publish","has-post-thumbnail"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/pages\/542","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/comments?post=542"}],"version-history":[{"count":2,"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/pages\/542\/revisions"}],"predecessor-version":[{"id":544,"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/pages\/542\/revisions\/544"}],"wp:attachment":[{"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/media?parent=542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}