Saral Finacial Package 1.0.3

User Manual Welcome to Saral Financial Package This is a one stop solution to maitaining all your financial details & calculations like tax planning, home loans, Annual budget & monthly expenses. The version which you have got may not be the latest version to get the latest version visit my blogspot http://saral-financial-package.blogspot.com/ and join the site by clicking "Join the site" button on top right corner. This is the simplest and most effective way to get the latest updates. Gettting Started: You can enter values in Pale Blue coloured cells only. Saral Financial Package can be best viewed in MS Office 2007. (with inhanced Graph and Colours) 1. Tax Slabs Seeing the change in the tax slab every year I have introduced the first sheet called Tax Slab there you can give the tax slabs for different categories. 2. Tax Planer As the name suggests here you can plan your taxes. Give your Name, Title, age & Location of your stay. This information is intelligently used for calculations. Give all your incomes, TDS paid & PF paid by you in second section. In tax exemption section provide the required information, limits are given for all rows. Even if your values are more than the limit, (only for information sake), limiting value will considered for calculations. Under section 80CCE you can put information about your relevant investments. Put Medical insurance, Home loan interest etc. in next section. Finally you will get the amount of tax you need to pay after considering the TDS. 3. House Loan Cal Here you can calculate the Home loan Total Amount you are going to pay and No. of Months to pay EMI. Months to pay EMI. Calculation is done in different way. Because generally we give No. of years we pay the EMI & interest rate. Here stress is put on how fast you can pay it off by puting extra money intermediately. You can give loan amount, EMI, Interest rate & start date in case if you want to take printout like a statement. Special feature here is Type of Interest, you have two options like floating & fixed. If you are choosing Fixed then Interest rate in the top section will be taken for calculation. but if you are choosing Floating then interest rate in the adjustcent column will be taken for same. Intermediately you can pay extra amount in any month by Entering the value in extra amount paid column. Initially if paying extra amount you can see the huge change in Total Amount Paid & No. of Months in top section. You can calculate your EMI by putting the no. of years in EMI calculator on right side of Loan calculator.

4. Annual Budget Annual Budget is a new feature added. In this sheet you can make a budget for the whole year at start of the year. You can Monthly salary, any bonus or extra amount in the middle of the year. You can put your monthly average expenses & any planned expenses and get overall understanding of your savings at the end of the year. 5. Monthly Expenses This is where you can enter all your expenses with proper comments on daily basis. You can edit the Title cells only in the month of January. You can give the carry forward from last year in Month of January, after that every month Savings from last month will take as carryforward in next month. Give your Income, Investments, One time expenses & daily expenses in the respective sections. Definitely there will be leakage due to unaccounted money spending, put it in Balance adjusted cell. There is a graphical representation of all the expenses in Every months sheet. here you can see how much percentage of spending is done on particular type of items. We can give our bank balance in different banks on the right side. Idealy at any point of time difference between your bank balance & your savings should be zero. You can also keep a track of your liabilities for particutlar month by putting it in section down below. This will remind you everyday about your liabilities for that month. Make use of feature called Insert Comments effectively, as we forget over a period of time where and on what we spent these bucks. New feature that is introduced in version 1.0.1 is the cash flow table. It will give you an idea about the your cash flow in the one year. Personal Experience: I have been using this package religiously for last three years, lot of changes have been made over the period of time [earlier it was called Expense organizer], but I must say it helps me a lot to track my expenses & investmensts and show to my parents where I am spending my money. :) I put Saral Financial Package in my computer's windows start up, so that every day first thing I do is to enter yesterday's expenses. It takes only 5min everyday, but you can keep a track of your expenses and most importantly see the summary of all your expenses, investments & Incomes, in graphical as well as numeric format on yearly basis, in the last sheet Results & Analysis At the start of every month I take a print out of the last months Expense organizer & file it and write down comments on the printout. If your computer can be turned on by others and you don’t want to reveal the information then you can password protect the Saral Finacial Package by using standard MS office feature. Go to Save as--> Tools Button --> General Options --> Give the Password. Enjoy using Saral Financial Package and Send your comments & feedbacks at under stated email address. There are still lot of things to be done. Visit my blogspot regularly to get the any update on the Saral Financial Package. at http://saral-financial-package.blogspot.com/ Regards, Kuldipak Pednekar [email protected]

PS- If you are a Mac user there is separate version specially customized for iWorks.

Tax Slabs Enter Data in White colored cell only.

For Male Lower limitUpper Limit Tax Rate 0 150000 0.00% 150001 300000 10.00% 300001 500000 20.00% >500000 30.00% For Female Lower limitUpper Limit Tax Rate 0 185000 0.00% 185001 300000 10.00% 300001 500000 20.00% >500000 30.00% For Senior Citizen Lower limitUpper Limit Tax Rate 0 185000 0.00% 185001 300000 10.00% 300001 500000 20.00% >500000 30.00%

Tax Planer/ Calculator for Financial Year Thanks for using-Kuldipak

TM

Enter your data in White coloured Cells only.

Month

Basics

DA

Mr. Age HRA

Kuldipak Pednekar 24 City Earnings Conv. Other Medical

April May June July August September October November December January February March Total 0 0 0 0 Less: Exempt Bonus Other Incom. Other Earn. Gross 0 0 0 0 Gross Salary Exclusive of Conveyance Deduction due to Tax saving under 80CCE Professional Tax Taxable Income House Loan Interest Repayment Med., HRA and Other exemption Net Taxable income Income Tax Slab Tax rateAppl. Amt. Balance 000,000 150,000 0% 0 0 150,001 300,000 10% 0 0 300,001 500,000 20% 0 0 >500000 30% 0 Total Tax

0

0

Can be best viewed in MS Office 2007.

Metro LTA

0

Deductions Sp. Allo. Total PT PF @ 12% IT Food Tot. 'Ded. Net 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 <Use this row for company specific tax exemptions> 0 <Use this row when you get bonus> <Use this row for other incomes like Stock market etc.>

0 0

0 0 0 0 0 0 0 Tax 0 0 0 0 0

0

0

0

< Use this for income like profit on House etc.>

0

Tax Exemptions Medical Bills - (Bills required) Rent for this year - (Rent Receipt required) LTA - Leave Travelling Allowance - (Receipts required) Any other exemption from Tax Remaining months for the Tax to be paid Section 80CCE PPF (Public Provident Fund Max 70000) Pension Plan (Maximum 10000) Life Insurance Policies PF Contribution Mutual Fund (ELSS Type) Children Education (Max. up to 24000 for Two Children) NSS/NSC House Loan repayment (Principal Amount) Infrastructure Bonds (Government/ ICICI Bonds)

ProducedLimited 15,000 0

Total (Till 1,00,000 only will be considered for exemption)

Education Cess Tax @ 3% Income Tax paid

0 0

Income Tax due this year

0

12

70,000 10,000 0 24,000

0

100,000

Other Tax Exemption Medical Insurance/Higher Education/Expenses on disable dependent House Loan repayment (Interest Amount)

INR 0

0

TAX CALCULATOR (FOR SGD)

Thanks for using - Kuldipak

Chargeable annual income bracketRate $0 $20,000 0 $20,001 $30,000 3.50% $30,001 $40,000 5.50% $40,001 $80,000 8.50% $80,001 $160,000 14.00% $160,001 $320,000 17.00% >$320000 20.00% Your Income in financial year Income Tax Slab $00,000 $20,000 $20,001 $30,000 $30,001 $40,000 $40,001 $80,000 $80,001 $160,000 $160,001 $320,000 >$320000 TOTAL TAX

$100,000 Tax rateAppl. Amt.Balance Tax 0.00% $20,000 $80,000 $0 3.50% $10,000 $70,000 $350 5.50% $10,000 $60,000 $550 8.50% $40,000 $20,000 $3,400 14.00% $20,000 $0 $2,800 17.00% $0 $0 $0 20.00% $0 $0 $7,100

Loan Planer/ Calculator

If Type of Loan is fixed then It will take Fixed interest rate 11,210 from the no. 4 22-Jan-08 Row otherwise from 1,837,316 Rightmost column.

Thanks for using -Kuldipak

Name: Kuldipak Pednekar Type of Loan Loan Amount 1,000,000 TM EMI Interest Rate 10.00% Start Date No. of Months EMI paid 164 Total Amount Paid Enter your data in Pale Blue colored cells. Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet. Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Amount Paid 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44

22-Jan-08 1,000,000 22-Feb-08 997,123 22-Mar-08 994,222 22-Apr-08 991,297 ### 988,348 22-Jun-08 985,374 22-Jul-08 982,375 22-Aug-08 979,351 22-Sep-08 976,302 22-Oct-08 973,228 22-Nov-08 970,128 22-Dec-08 967,002 22-Jan-09 963,850 22-Feb-09 960,672 22-Mar-09 957,468 22-Apr-09 954,237 ### 950,979 22-Jun-09 947,694 22-Jul-09 944,381 22-Aug-09 941,041 22-Sep-09 937,673 22-Oct-09 934,277 22-Nov-09 930,853 22-Dec-09 927,400 22-Jan-10 923,918 22-Feb-10 920,407 22-Mar-10 916,867 22-Apr-10 913,298 ### 909,699 22-Jun-10 906,070 22-Jul-10 902,411 22-Aug-10 898,721 22-Sep-10 895,000 22-Oct-10 891,248 22-Nov-10 887,465 22-Dec-10 883,651 22-Jan-11 879,805 22-Feb-11 875,927 22-Mar-11 872,016 22-Apr-11 868,073 ### 864,097 22-Jun-11 860,088 22-Jul-11 856,045 22-Aug-11 851,969

11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210

8,333 8,309 8,285 8,261 8,236 8,211 8,186 8,161 8,136 8,110 8,084 8,058 8,032 8,006 7,979 7,952 7,925 7,897 7,870 7,842 7,814 7,786 7,757 7,728 7,699 7,670 7,641 7,611 7,581 7,551 7,520 7,489 7,458 7,427 7,396 7,364 7,332 7,299 7,267 7,234 7,201 7,167 7,134 7,100

2,877 2,901 2,925 2,949 2,974 2,999 3,024 3,049 3,074 3,100 3,126 3,152 3,178 3,204 3,231 3,258 3,285 3,313 3,340 3,368 3,396 3,424 3,453 3,482 3,511 3,540 3,569 3,599 3,629 3,659 3,690 3,721 3,752 3,783 3,814 3,846 3,878 3,911 3,943 3,976 4,009 4,043 4,076 4,110

997,123 994,222 991,297 988,348 985,374 982,375 979,351 976,302 973,228 970,128 967,002 963,850 960,672 957,468 954,237 950,979 947,694 944,381 941,041 937,673 934,277 930,853 927,400 923,918 920,407 916,867 913,298 909,699 906,070 902,411 898,721 895,000 891,248 887,465 883,651 879,805 875,927 872,016 868,073 864,097 860,088 856,045 851,969 847,859

Floating Interest Rate 10.25% 10.25% 10.25% 10.25% 10.25% 10.25% 10.25% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75%

fixed then It

Name: Kuldipak Pednekar Type of Loan Fixed will take interest rate Loan Amount 1,000,000 11,210 from the TM EMI no. 4 Interest Rate 10.00% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 164 Total Amount Paid 1,837,316 Rightmost Enter your data in Pale Blue colored cells. column. Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet. Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating Amount Interest Paid Rate 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

22-Sep-11 22-Oct-11 22-Nov-11 22-Dec-11 22-Jan-12 22-Feb-12 22-Mar-12 22-Apr-12 ### 22-Jun-12 22-Jul-12 22-Aug-12 22-Sep-12 22-Oct-12 22-Nov-12 22-Dec-12 22-Jan-13 22-Feb-13 22-Mar-13 22-Apr-13 ### 22-Jun-13 22-Jul-13 22-Aug-13 22-Sep-13 22-Oct-13 22-Nov-13 22-Dec-13 22-Jan-14 22-Feb-14 22-Mar-14 22-Apr-14 ### 22-Jun-14 22-Jul-14 22-Aug-14 22-Sep-14 22-Oct-14 22-Nov-14 22-Dec-14 22-Jan-15 22-Feb-15 22-Mar-15 22-Apr-15 ###

847,859 843,714 839,535 835,321 831,072 826,788 822,468 818,112 813,720 809,291 804,825 800,322 795,781 791,203 786,586 781,931 777,237 772,504 767,732 762,920 758,068 753,175 748,241 743,266 738,250 733,192 728,092 722,949 717,764 712,535 707,263 701,947 696,587 691,182 685,732 680,236 674,695 669,107 663,473 657,792 652,064 646,288 640,464 634,591 628,669

11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210

7,065 7,031 6,996 6,961 6,926 6,890 6,854 6,818 6,781 6,744 6,707 6,669 6,632 6,593 6,555 6,516 6,477 6,438 6,398 6,358 6,317 6,276 6,235 6,194 6,152 6,110 6,067 6,025 5,981 5,938 5,894 5,850 5,805 5,760 5,714 5,669 5,622 5,576 5,529 5,482 5,434 5,386 5,337 5,288 5,239

4,145 4,179 4,214 4,249 4,284 4,320 4,356 4,392 4,429 4,466 4,503 4,541 4,578 4,617 4,655 4,694 4,733 4,772 4,812 4,852 4,893 4,934 4,975 5,016 5,058 5,100 5,143 5,185 5,229 5,272 5,316 5,360 5,405 5,450 5,496 5,541 5,588 5,634 5,681 5,728 5,776 5,824 5,873 5,922 5,971

843,714 839,535 835,321 831,072 826,788 822,468 818,112 813,720 809,291 804,825 800,322 795,781 791,203 786,586 781,931 777,237 772,504 767,732 762,920 758,068 753,175 748,241 743,266 738,250 733,192 728,092 722,949 717,764 712,535 707,263 701,947 696,587 691,182 685,732 680,236 674,695 669,107 663,473 657,792 652,064 646,288 640,464 634,591 628,669 622,698

10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75%

fixed then It

Name: Kuldipak Pednekar Type of Loan Fixed will take interest rate Loan Amount 1,000,000 11,210 from the TM EMI no. 4 Interest Rate 10.00% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 164 Total Amount Paid 1,837,316 Rightmost Enter your data in Pale Blue colored cells. column. Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet. Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating Amount Interest Paid Rate 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134

22-Jun-15 22-Jul-15 22-Aug-15 22-Sep-15 22-Oct-15 22-Nov-15 22-Dec-15 22-Jan-16 22-Feb-16 22-Mar-16 22-Apr-16 ### 22-Jun-16 22-Jul-16 22-Aug-16 22-Sep-16 22-Oct-16 22-Nov-16 22-Dec-16 22-Jan-17 22-Feb-17 22-Mar-17 22-Apr-17 ### 22-Jun-17 22-Jul-17 22-Aug-17 22-Sep-17 22-Oct-17 22-Nov-17 22-Dec-17 22-Jan-18 22-Feb-18 22-Mar-18 22-Apr-18 ### 22-Jun-18 22-Jul-18 22-Aug-18 22-Sep-18 22-Oct-18 22-Nov-18 22-Dec-18 22-Jan-19 22-Feb-19

622,698 616,677 610,606 604,484 598,311 592,087 585,811 579,483 573,102 566,668 560,180 553,638 547,042 540,391 533,684 526,921 520,102 513,226 506,293 499,302 492,253 485,145 477,978 470,751 463,464 456,116 448,707 441,236 433,703 426,107 418,448 410,725 402,938 395,086 387,168 379,184 371,134 363,017 354,832 346,579 338,257 329,866 321,405 312,873 304,270

11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210

5,189 5,139 5,088 5,037 4,986 4,934 4,882 4,829 4,776 4,722 4,668 4,614 4,559 4,503 4,447 4,391 4,334 4,277 4,219 4,161 4,102 4,043 3,983 3,923 3,862 3,801 3,739 3,677 3,614 3,551 3,487 3,423 3,358 3,292 3,226 3,160 3,093 3,025 2,957 2,888 2,819 2,749 2,678 2,607 2,536

6,021 6,071 6,122 6,173 6,224 6,276 6,328 6,381 6,434 6,488 6,542 6,596 6,651 6,707 6,763 6,819 6,876 6,933 6,991 7,049 7,108 7,167 7,227 7,287 7,348 7,409 7,471 7,533 7,596 7,659 7,723 7,787 7,852 7,918 7,984 8,050 8,117 8,185 8,253 8,322 8,391 8,461 8,532 8,603 8,674

616,677 610,606 604,484 598,311 592,087 585,811 579,483 573,102 566,668 560,180 553,638 547,042 540,391 533,684 526,921 520,102 513,226 506,293 499,302 492,253 485,145 477,978 470,751 463,464 456,116 448,707 441,236 433,703 426,107 418,448 410,725 402,938 395,086 387,168 379,184 371,134 363,017 354,832 346,579 338,257 329,866 321,405 312,873 304,270 295,596

10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75%

fixed then It

Name: Kuldipak Pednekar Type of Loan Fixed will take interest rate Loan Amount 1,000,000 11,210 from the TM EMI no. 4 Interest Rate 10.00% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 164 Total Amount Paid 1,837,316 Rightmost Enter your data in Pale Blue colored cells. column. Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet. Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating Amount Interest Paid Rate 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164

22-Mar-19 22-Apr-19 ### 22-Jun-19 22-Jul-19 22-Aug-19 22-Sep-19 22-Oct-19 22-Nov-19 22-Dec-19 22-Jan-20 22-Feb-20 22-Mar-20 22-Apr-20 ### 22-Jun-20 22-Jul-20 22-Aug-20 22-Sep-20 22-Oct-20 22-Nov-20 22-Dec-20 22-Jan-21 22-Feb-21 22-Mar-21 22-Apr-21 ### 22-Jun-21 22-Jul-21 22-Aug-21

295,596 286,849 278,029 269,136 260,169 251,127 242,010 232,817 223,547 214,200 204,775 195,271 185,688 176,025 166,282 156,458 146,552 136,563 126,491 116,335 106,094 95,768 85,356 74,857 64,271 53,597 42,834 31,981 21,038 10,003

11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 11,210 10,086

2,463 2,390 2,317 2,243 2,168 2,093 2,017 1,940 1,863 1,785 1,706 1,627 1,547 1,467 1,386 1,304 1,221 1,138 1,054 969 884 798 711 624 536 447 357 267 175 83

8,747 8,820 8,893 8,967 9,042 9,117 9,193 9,270 9,347 9,425 9,504 9,583 9,663 9,743 9,824 9,906 9,989 10,072 10,156 10,241 10,326 10,412 10,499 10,586 10,674 10,763 10,853 10,943 11,035 10,003

286,849 278,029 269,136 260,169 251,127 242,010 232,817 223,547 214,200 204,775 195,271 185,688 176,025 166,282 156,458 146,552 136,563 126,491 116,335 106,094 95,768 85,356 74,857 64,271 53,597 42,834 31,981 21,038 10,003 0

10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75% 10.75%

fixed then It

Name: Kuldipak Pednekar Type of Loan Fixed will take interest rate Loan Amount 1,000,000 11,210 from the TM EMI no. 4 Interest Rate 10.00% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 164 Total Amount Paid 1,837,316 Rightmost Enter your data in Pale Blue colored cells. column. Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet. Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating Amount Interest Paid Rate 10.75% 10.75% 10.75% 10.75% 10.75% 10.75%

fixed then It

Name: Kuldipak Pednekar Type of Loan Fixed will take interest rate Loan Amount 1,000,000 11,210 from the TM EMI no. 4 Interest Rate 10.00% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 164 Total Amount Paid 1,837,316 Rightmost Enter your data in Pale Blue colored cells. column. Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet. Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating Amount Interest Paid Rate

fixed then It

Name: Kuldipak Pednekar Type of Loan Fixed will take interest rate Loan Amount 1,000,000 11,210 from the TM EMI no. 4 Interest Rate 10.00% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 164 Total Amount Paid 1,837,316 Rightmost Enter your data in Pale Blue colored cells. column. Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet. Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating Amount Interest Paid Rate

fixed then It

Name: Kuldipak Pednekar Type of Loan Fixed will take interest rate Loan Amount 1,000,000 11,210 from the TM EMI no. 4 Interest Rate 10.00% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 164 Total Amount Paid 1,837,316 Rightmost Enter your data in Pale Blue colored cells. column. Disclaimer: Assumes no liability or responsibility for any errors or omissions in the Sheet. Month EMI Date Open. Pri. EMI Interest Principal Balance Extra Floating Amount Interest Paid Rate

Annual Budget Thanks for using-Kuldipak Monthly Net Income Income Type Amount

Details Mid Year Bonus Year End Bonus

Planned Monthly savings Available Cash

0

Additional Income Month

TM

Planned Savings

Amount

1 0.9

Total Additional Income

0

0.8 0.7

Monthly Expenses Expense Costs Mortgage Taxes Monthly Rent Travel Grocery Lunch PUB

0.6

Planned Expenses Expenditure Month Home for Holidays Gift for Family Family Vacation Deposit & Brokerage for House

Amount

0.5 0.4 0.3 0.2 0.1 0

Total Monthly Expenses Annual Budget for MonthJan Previous Month's Balance Available Cash Additional Income Monthly Expenses Planned Expenses Savings

0

Total Planned Expenses Feb

0 0 0 0 0

Mar 0 0 0 0 0 0

Apr 0 0 0 0 0 0

0 May

0 0 0 0 0 0

Jun 0 0 0 0 0 0

Jul 0 0 0 0 0 0

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Aug 0 0 0 0 0 0

Sep 0 0 0 0 0 0

Oct 0 0 0 0 0 0

Nov 0 0 0 0 0 0

Dec 0 0 0 0 0 0

0 0 0 0 0 0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 0 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 0 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 0 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 0 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 0 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 0 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 0 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 0 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 0 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 0 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Expense Organizer Version 4.5 You Can Edit User Defined Columns in January Month Only. Carry forward 0 1 2 3 4 Income Eating Out Salary Petrol/Diesel Balace Adjustment Tour/ Vacation User Defined Some kind of Travel User Defined Grocery 0 Gift Cloths Investment Doctor Mutual Funds User Defined Insurance 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery Electricity Bill Gift Phone bills Cloths Water Bill Doctor Gadget & Gizmo User Defined Insurance 0 0 0 0 User Defined User Defined Total Daily Expenses 0 User Defined 0

Thanks for using - Kuldipak

Can be best viewed in office 2007. 11 12 13 14 15 16

5

6

7

8

9

10

0

0

0

0

0

0

0

0

0

0

0

0

21

22

23

24

25

26

27

28

29

30

31

0

0

0

0

0

0

0

0

0

0

0

Total 0 0 0 0 0 0 0 0 0 0

Total Expenses

0

Saving

0

Cash Flow

Thanks for using - Kuldipak

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

0

0

0

0

0

0

0

0

0

0

0

0

Salary

0

0

0

0

0

0

0

0

0

0

0

0

Balace Adjustment

0

0

0

0

0

0

0

0

0

0

0

0

User Defined

0

0

0

0

0

0

0

0

0

0

0

0

User Defined

0

0

0

0

0

0

0

0

0

0

0

0

TOTAL INCOME Total Cash Available (before

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Rent/ Maintenance

0

0

0

0

0

0

0

0

0

0

0

0

Electricity Bill

0

0

0

0

0

0

0

0

0

0

0

0

Phone bills

0

0

0

0

0

0

0

0

0

0

0

0

Water Bill

0

0

0

0

0

0

0

0

0

0

0

0

Gadget & Gizmo

0

0

0

0

0

0

0

0

0

0

0

0

Insurance

0

0

0

0

0

0

0

0

0

0

0

0

User Defined

0

0

0

0

0

0

0

0

0

0

0

0

User Defined

0

0

0

0

0

0

0

0

0

0

0

0

User Defined

0

0

0

0

0

0

0

0

0

0

0

0

Eating Out

0

0

0

0

0

0

0

0

0

0

0

0

Petrol/Diesel

0

0

0

0

0

0

0

0

0

0

0

0

Tour/ Vacation

Cash on Hand (beginning of month)

INCOME

Expense)

EXPENSES

0

0

0

0

0

0

0

0

0

0

0

0

Some kind of Travel 0

0

0

0

0

0

0

0

0

0

0

0

Grocery

0

0

0

0

0

0

0

0

0

0

0

0

Gift

0

0

0

0

0

0

0

0

0

0

0

0

Cloths

0

0

0

0

0

0

0

0

0

0

0

0

Doctor

0

0

0

0

0

0

0

0

0

0

0

0

User Defined

0

0

0

0

0

0

0

0

0

0

0

0

TOTAL EXPENSES

0

0

0

0

0

0

0

0

0

0

0

0

Cash Position (end of month)

0

0

0

0

0

0

0

0

0

0

0

0

Budgeted Savings Actual Savings

Jan 0 0

Income Salary Balace Adjustment User Defined User Defined

Investment Mutual Funds Insurance Shares/ Equity Provident Fund User Defined

One Time Expenses Rent/ Maintenance Electricity Bill Phone bills Water Bill Gadget & Gizmo Insurance User Defined User Defined User Defined

Yearly Yearly Yearly Yearly

Income Investment Expenses Saving

0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0

Month Wise Expenses January 0 February 0 March 0 April 0

Feb 0 0

Mar 0 0

Apr 0 0

May 0 0

Jun 0 0

Daily Expenses Category Wise 1 Eating Out 0 Petrol/Diesel 0 0.9 Tour/ Vacation 0 0.8 Some kind of Travel 0 0.7 Grocery 0 0.6 0.5 Gift 0 0.4 Cloths 0 0.3 Doctor 0 0.2 User Defined 0 Investment Month Wise January 0 February 0 March 0 April 0 May 0 June 0 July 0 August 0 September 0 October 0 November 0 December 0

Jul 0 0

Aug 0 0

Sep 0 0

Investment Gr

0.1 0 0

2

4

6

Daily E 1 1 1 1 1 0 0 0 0 0 0 0

2

4

6

May June July August September October November December

0 0 0 0 0 0 0 0

One time

1

0 0

1

2

3

4

5

R

0

en

t/ M

ai

ne

0

Ph o

nt en

an

0

bi

ce

0

ge

1

ad

1

G

1

ll s

1 1 1 1 1 0 0 0 0 0 0

1

Oct 0 0

Nov 0 0

Dec 0 0

vestment Graph of the Year

4

6

8

10

12

14

10

12

14

Daily Expenses

4

6

8

Eating Out Petrol/Diesel Tour/ Vacation Some kind of Travel Grocery Gift Cloths Doctor User Defined

Tour/ Vacation Some kind of Travel Grocery Gift Cloths Doctor User Defined

G

ed U se r

D

ef

in

ed in ef D U se r

ad

ge

Ph o

t&

G

ne

bi

iz m

o

ll s

One time Expenses