{"id":541,"date":"2026-10-29T19:29:13","date_gmt":"2026-10-29T19:29:13","guid":{"rendered":"https:\/\/xplorexcel.com\/store\/product\/personal-finance-manager-excel\/"},"modified":"2026-10-29T19:29:13","modified_gmt":"2026-10-29T19:29:13","slug":"personal-finance-manager-excel","status":"publish","type":"product","link":"https:\/\/xplorexcel.com\/store\/product\/personal-finance-manager-excel\/","title":{"rendered":"XploreMoney \u2013 Personal Finance Manager in Excel"},"content":{"rendered":"<p><strong>XploreMoney is a personal finance manager in one Excel file<\/strong> 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&#8217;re saving enough for each goal, and which tax regime saves you more. Nothing to link to your bank \u2014 your numbers stay in your own file.<\/p>\n<h2>What&#8217;s inside<\/h2>\n<ul>\n<li><strong>Money in &amp; out:<\/strong> date, amount, category and the account or card you paid from. Up to 3,000 entries a year.<\/li>\n<li><strong>Budget vs actual:<\/strong> monthly budget per category, what you spent each month, and where you went over.<\/li>\n<li><strong>50 \/ 30 \/ 20 check:<\/strong> your Needs, Wants and Savings share against the ideal split.<\/li>\n<li><strong>Every card &amp; account:<\/strong> up to 22 bank accounts, credit cards and UPI, with the spend through each one.<\/li>\n<li><strong>Loans &amp; EMIs:<\/strong> outstanding, interest this year and debt-free date for every loan, plus a prepayment planner (cut tenure or cut EMI).<\/li>\n<li><strong>Investments &amp; goals:<\/strong> SIPs, PPF, FDs, gold and more, linked to goals with the inflation-adjusted cost and the extra SIP you need.<\/li>\n<li><strong>Net worth:<\/strong> what you own minus what you owe, a monthly history and emergency-fund months.<\/li>\n<li><strong>Salary &amp; income tax, FY 2026-27:<\/strong> 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.<\/li>\n<li><strong>Dashboard:<\/strong> this month, loans, goals, wealth and tax on one page, with two charts.<\/li>\n<\/ul>\n<h2>What you get<\/h2>\n<ul>\n<li><strong>XploreMoney 1.0 \u2013 Blank (Start Here).xlsx<\/strong> for your own money<\/li>\n<li><strong>XploreMoney 1.0 \u2013 Sample Data (Demo).xlsx<\/strong>: a filled example to explore<\/li>\n<li>A built-in <em>How to Use<\/em> sheet and a README<\/li>\n<\/ul>\n<h2>Requirements<\/h2>\n<p>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&#8217;t break your totals.<\/p>\n<p>Digital file, so no refunds \u2014 but if the file doesn&#8217;t work for you, we&#8217;ll fix it.<\/p>\n<p style=\"font-size:13px;color:#666\"><em>XploreMoney is a planning tool, not tax or investment advice. Returns are assumptions and tax figures are estimates \u2014 confirm with your CA before filing.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your salary, budget, EMIs, SIPs and income tax in one Excel file. Track money in and out by bank account and credit card, compare your budget with the 50\/30\/20 rule, see every loan&#8217;s debt-free date, check if your SIPs are enough for each goal, and compare the old and new tax regime for FY 2026-27. Works on phone and PC. No macros. Pay once.<\/p>\n<p class=\"xe-full\" style=\"margin-top:12px\"><a href=\"https:\/\/xplorexcel.com\/store\/xploremoney\/\" style=\"display:inline-block;padding:9px 16px;border:2px solid #3F3D99;border-radius:8px;color:#3F3D99;font-weight:600;text-decoration:none\">See XploreMoney in detail \u2014 screenshots, plans &amp; FAQ \u2192<\/a><\/p>\n","protected":false},"featured_media":518,"comment_status":"open","ping_status":"closed","template":"","meta":[],"product_brand":[],"product_cat":[112],"product_tag":[113,115,114,118,117,119,116],"class_list":["post-541","product","type-product","status-publish","has-post-thumbnail","product_cat-personal-finance","product_tag-budget-planner-excel","product_tag-emi-calculator-excel","product_tag-expense-tracker-excel","product_tag-income-tax-calculator-old-vs-new-regime","product_tag-net-worth-tracker","product_tag-personal-finance-excel-india","product_tag-sip-goal-planner","first","instock","downloadable","virtual","taxable","purchasable","product-type-simple"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/product\/541","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/types\/product"}],"replies":[{"embeddable":true,"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/comments?post=541"}],"wp:attachment":[{"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/media?parent=541"}],"wp:term":[{"taxonomy":"product_brand","embeddable":true,"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/product_brand?post=541"},{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/product_cat?post=541"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/xplorexcel.com\/store\/wp-json\/wp\/v2\/product_tag?post=541"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}