Saral Finacial Package

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.

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 Colo 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 EM 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 o 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. Make use of feature called Insert Comments effectively, as we forget over a period of time where and on what we spent these bucks.

Personal Experience: I have been using this package religiously for last three years, lot of changes have been made over th 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 year 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 ca 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 addr 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)

12

70,000 10,000 0 24,000

0

100,000

Education Cess Tax @ 3% 0 Other Tax Exemption Surcharge @ 10% for More than 100000 taxable income 0 Medical Insurance/Higher Education/Expenses on disable dependent Income Tax paid 0 House Loan repayment (Interest Amount)

Income Tax due this year

0

INR 0

0

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 2,017,583 Rightmost column.

Thanks for using -Kuldipak

Name: Kuldipak Pednekar Type of Loan Loan Amount 1,000,000 TM EMI Interest Rate 10.75% Start Date No. of Months EMI paid 180 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-08 997,748 22-Mar-08 995,476 22-Apr-08 993,184 ### 990,871 22-Jun-08 988,538 22-Jul-08 986,184 22-Aug-08 983,809 22-Sep-08 981,412 22-Oct-08 978,994 22-Nov-08 976,554 22-Dec-08 974,092 22-Jan-09 971,608 22-Feb-09 969,102 22-Mar-09 966,574 22-Apr-09 964,023 ### 961,449 22-Jun-09 958,852 22-Jul-09 956,232 22-Aug-09 953,588 22-Sep-09 950,921 22-Oct-09 948,230 22-Nov-09 945,515 22-Dec-09 942,775 22-Jan-10 940,011 22-Feb-10 937,222 22-Mar-10 934,408 22-Apr-10 931,569 ### 928,704 22-Jun-10 925,814 22-Jul-10 922,898 22-Aug-10 919,956 22-Sep-10 916,987 22-Oct-10 913,992 22-Nov-10 910,970 22-Dec-10 907,921 22-Jan-11 904,844 22-Feb-11 901,740 22-Mar-11 898,608 22-Apr-11 895,448 ### 892,260 22-Jun-11 889,043 22-Jul-11 885,797 22-Aug-11 882,522

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

8,958 8,938 8,918 8,897 8,877 8,856 8,835 8,813 8,792 8,770 8,748 8,726 8,704 8,682 8,659 8,636 8,613 8,590 8,566 8,543 8,519 8,495 8,470 8,446 8,421 8,396 8,371 8,345 8,320 8,294 8,268 8,241 8,215 8,188 8,161 8,133 8,106 8,078 8,050 8,022 7,993 7,964 7,935 7,906

2,252 2,272 2,292 2,313 2,333 2,354 2,375 2,397 2,418 2,440 2,462 2,484 2,506 2,528 2,551 2,574 2,597 2,620 2,644 2,667 2,691 2,715 2,740 2,764 2,789 2,814 2,839 2,865 2,890 2,916 2,942 2,969 2,995 3,022 3,049 3,077 3,104 3,132 3,160 3,188 3,217 3,246 3,275 3,304

997,748 995,476 993,184 990,871 988,538 986,184 983,809 981,412 978,994 976,554 974,092 971,608 969,102 966,574 964,023 961,449 958,852 956,232 953,588 950,921 948,230 945,515 942,775 940,011 937,222 934,408 931,569 928,704 925,814 922,898 919,956 916,987 913,992 910,970 907,921 904,844 901,740 898,608 895,448 892,260 889,043 885,797 882,522 879,218

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 10.75% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 180 Total Amount Paid 2,017,583 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 ###

879,218 875,884 872,520 869,126 865,702 862,247 858,761 855,244 851,696 848,116 844,504 840,859 837,182 833,472 829,729 825,952 822,141 818,296 814,417 810,503 806,554 802,569 798,549 794,493 790,400 786,271 782,105 777,901 773,660 769,381 765,063 760,707 756,312 751,877 747,403 742,888 738,333 733,737 729,100 724,422 719,702 714,939 710,134 705,286 700,394

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

7,876 7,846 7,816 7,786 7,755 7,724 7,693 7,662 7,630 7,598 7,565 7,533 7,500 7,467 7,433 7,399 7,365 7,331 7,296 7,261 7,225 7,190 7,154 7,117 7,081 7,044 7,006 6,969 6,931 6,892 6,854 6,815 6,775 6,736 6,695 6,655 6,614 6,573 6,532 6,490 6,447 6,405 6,362 6,318 6,274

3,334 3,364 3,394 3,424 3,455 3,486 3,517 3,548 3,580 3,612 3,645 3,677 3,710 3,743 3,777 3,811 3,845 3,879 3,914 3,949 3,985 4,020 4,056 4,093 4,129 4,166 4,204 4,241 4,279 4,318 4,356 4,395 4,435 4,474 4,515 4,555 4,596 4,637 4,678 4,720 4,763 4,805 4,848 4,892 4,936

875,884 872,520 869,126 865,702 862,247 858,761 855,244 851,696 848,116 844,504 840,859 837,182 833,472 829,729 825,952 822,141 818,296 814,417 810,503 806,554 802,569 798,549 794,493 790,400 786,271 782,105 777,901 773,660 769,381 765,063 760,707 756,312 751,877 747,403 742,888 738,333 733,737 729,100 724,422 719,702 714,939 710,134 705,286 700,394 695,458

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 10.75% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 180 Total Amount Paid 2,017,583 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

695,458 690,478 685,454 680,385 675,270 670,109 664,902 659,648 654,347 648,999 643,603 638,159 632,666 627,124 621,532 615,890 610,197 604,453 598,658 592,811 586,912 580,960 574,954 568,895 562,781 556,613 550,389 544,110 537,774 531,382 524,932 518,425 511,859 505,234 498,550 491,806 485,002 478,137 471,210 464,221 457,170 450,055 442,877 435,634 428,327

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

6,230 6,186 6,141 6,095 6,049 6,003 5,956 5,909 5,862 5,814 5,766 5,717 5,668 5,618 5,568 5,517 5,466 5,415 5,363 5,311 5,258 5,204 5,151 5,096 5,042 4,986 4,931 4,874 4,818 4,760 4,703 4,644 4,585 4,526 4,466 4,406 4,345 4,283 4,221 4,159 4,095 4,032 3,967 3,903 3,837

4,980 5,024 5,069 5,115 5,161 5,207 5,254 5,301 5,348 5,396 5,444 5,493 5,542 5,592 5,642 5,693 5,744 5,795 5,847 5,899 5,952 6,006 6,059 6,114 6,168 6,224 6,279 6,336 6,392 6,450 6,507 6,566 6,625 6,684 6,744 6,804 6,865 6,927 6,989 7,051 7,115 7,178 7,243 7,307 7,373

690,478 685,454 680,385 675,270 670,109 664,902 659,648 654,347 648,999 643,603 638,159 632,666 627,124 621,532 615,890 610,197 604,453 598,658 592,811 586,912 580,960 574,954 568,895 562,781 556,613 550,389 544,110 537,774 531,382 524,932 518,425 511,859 505,234 498,550 491,806 485,002 478,137 471,210 464,221 457,170 450,055 442,877 435,634 428,327 420,954

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 10.75% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 180 Total Amount Paid 2,017,583 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 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179

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

420,954 413,515 406,009 398,436 390,795 383,086 375,308 367,460 359,542 351,553 343,492 335,359 327,153 318,874 310,521 302,093 293,589 285,009 276,352 267,618 258,805 249,913 240,942 231,890 222,757 213,543 204,246 194,866 185,402 175,853 166,218 156,497 146,689 136,793 126,808 116,734 106,570 96,315 85,968 75,528 64,995 54,367 43,644 32,825 21,909

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

3,771 3,704 3,637 3,569 3,501 3,432 3,362 3,292 3,221 3,149 3,077 3,004 2,931 2,857 2,782 2,706 2,630 2,553 2,476 2,397 2,318 2,239 2,158 2,077 1,996 1,913 1,830 1,746 1,661 1,575 1,489 1,402 1,314 1,225 1,136 1,046 955 863 770 677 582 487 391 294 196

7,439 7,506 7,573 7,641 7,709 7,778 7,848 7,918 7,989 8,061 8,133 8,206 8,279 8,353 8,428 8,504 8,580 8,657 8,734 8,813 8,892 8,971 9,052 9,133 9,214 9,297 9,380 9,464 9,549 9,635 9,721 9,808 9,896 9,985 10,074 10,164 10,255 10,347 10,440 10,533 10,628 10,723 10,819 10,916 11,014

413,515 406,009 398,436 390,795 383,086 375,308 367,460 359,542 351,553 343,492 335,359 327,153 318,874 310,521 302,093 293,589 285,009 276,352 267,618 258,805 249,913 240,942 231,890 222,757 213,543 204,246 194,866 185,402 175,853 166,218 156,497 146,689 136,793 126,808 116,734 106,570 96,315 85,968 75,528 64,995 54,367 43,644 32,825 21,909 10,895

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 10.75% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 180 Total Amount Paid 2,017,583 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 180

22-Dec-22

10,895

10,993

98

10,895

0

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 10.75% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 180 Total Amount Paid 2,017,583 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 10.75% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 180 Total Amount Paid 2,017,583 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 10.75% Start Date 22-Jan-08 Row otherwise from No. of Months EMI paid 180 Total Amount Paid 2,017,583 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 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best viewed in office 2007. Carry forward 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 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 0 0 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total User Defined Eating Out 0 0 Petrol/Diesel 0 Tour/ Vacation 0 One Time Expenses Some kind of Travel 0 Rent/ Maintenance Grocery 0 SP Services Gift 0 Rm dep. & Brokage Cloths 0 Gadget & Gizmo Doctor 0 User Defined User Defined 0 User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0 User Defined 0

Expense Organizer Version 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best viewed in office 2007. Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 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 0 0 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total User Defined Eating Out 0 0 Petrol/Diesel 0 Tour/ Vacation 0 One Time Expenses Some kind of Travel 0 Rent/ Maintenance Grocery 0 SP Services Gift 0 Rm dep. & Brokage Cloths 0 Gadget & Gizmo Doctor 0 User Defined User Defined 0 User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0 User Defined 0

Expense Organizer Version 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best viewed in office 2007. Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 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 0 0 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total User Defined Eating Out 0 0 Petrol/Diesel 0 Tour/ Vacation 0 One Time Expenses Some kind of Travel 0 Rent/ Maintenance Grocery 0 SP Services Gift 0 Rm dep. & Brokage Cloths 0 Gadget & Gizmo Doctor 0 User Defined User Defined 0 User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0 User Defined 0

Expense Organizer Version 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best viewed in office 2007. Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 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 0 0 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total User Defined Eating Out 0 0 Petrol/Diesel 0 Tour/ Vacation 0 One Time Expenses Some kind of Travel 0 Rent/ Maintenance Grocery 0 SP Services Gift 0 Rm dep. & Brokage Cloths 0 Gadget & Gizmo Doctor 0 User Defined User Defined 0 User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0 User Defined 0

Expense Organizer Version 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best viewed in office 2007. Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 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 0 0 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total User Defined Eating Out 0 0 Petrol/Diesel 0 Tour/ Vacation 0 One Time Expenses Some kind of Travel 0 Rent/ Maintenance Grocery 0 SP Services Gift 0 Rm dep. & Brokage Cloths 0 Gadget & Gizmo Doctor 0 User Defined User Defined 0 User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0 User Defined 0

Expense Organizer Version 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best viewed in office 2007. Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 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 0 0 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total User Defined Eating Out 0 0 Petrol/Diesel 0 Tour/ Vacation 0 One Time Expenses Some kind of Travel 0 Rent/ Maintenance Grocery 0 SP Services Gift 0 Rm dep. & Brokage Cloths 0 Gadget & Gizmo Doctor 0 User Defined User Defined 0 User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0 User Defined 0

Expense Organizer Version 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best viewed in office 2007. Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 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 0 0 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total User Defined Eating Out 0 0 Petrol/Diesel 0 Tour/ Vacation 0 One Time Expenses Some kind of Travel 0 Rent/ Maintenance Grocery 0 SP Services Gift 0 Rm dep. & Brokage Cloths 0 Gadget & Gizmo Doctor 0 User Defined User Defined 0 User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0 User Defined 0

Expense Organizer Version 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best viewed in office 2007. Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 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 0 0 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total User Defined Eating Out 0 0 Petrol/Diesel 0 Tour/ Vacation 0 One Time Expenses Some kind of Travel 0 Rent/ Maintenance Grocery 0 SP Services Gift 0 Rm dep. & Brokage Cloths 0 Gadget & Gizmo Doctor 0 User Defined User Defined 0 User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0 User Defined 0

Expense Organizer Version 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best viewed in office 2007. Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 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 0 0 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total User Defined Eating Out 0 0 Petrol/Diesel 0 Tour/ Vacation 0 One Time Expenses Some kind of Travel 0 Rent/ Maintenance Grocery 0 SP Services Gift 0 Rm dep. & Brokage Cloths 0 Gadget & Gizmo Doctor 0 User Defined User Defined 0 User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0 User Defined 0

Expense Organizer Version 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best viewed in office 2007. Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 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 0 0 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total User Defined Eating Out 0 0 Petrol/Diesel 0 Tour/ Vacation 0 One Time Expenses Some kind of Travel 0 Rent/ Maintenance Grocery 0 SP Services Gift 0 Rm dep. & Brokage Cloths 0 Gadget & Gizmo Doctor 0 User Defined User Defined 0 User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0 User Defined 0

Expense Organizer Version 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 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 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery SP Services Gift Rm dep. & Brokage Cloths Gadget & Gizmo Doctor User Defined User Defined User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving User Defined 0

viewed in office 2007. 15 16

0

0

31

Total 0 0 0 0 0 0 0 0 0 0

0

0

Expense Organizer Version 4.0 (Currency INR)

Thanks for using - Kuldipak

You Can Edit User Defined Columns in January Month Only. Do not make unauthorized copies of this software. Can be best Carry forward 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 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 0 0 0 0 0 0 0 0 0 0 Shares/ Equity Provident Fund 17 18 19 20 21 22 23 24 25 26 27 28 29 30 User Defined Eating Out 0 Petrol/Diesel Tour/ Vacation One Time Expenses Some kind of Travel Rent/ Maintenance Grocery SP Services Gift Rm dep. & Brokage Cloths Gadget & Gizmo Doctor User Defined User Defined User Defined 0 0 0 0 0 0 0 0 0 0 0 0 0 0 User Defined User Defined Total Daily Expenses 0 Total Expenses 0 Saving User Defined 0

viewed in office 2007. 15 16

0

0

31

Total 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 SP Services Rm dep. & Brokage Gadget & Gizmo User Defined User Defined 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

1 1 1 0 0

2

3

4

5

ge ad G

1

R

0

en

t/ M

ai

0

t&

nt en

G

an

0

iz m

ce

0

o

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

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One time Expenses