Professional Documents
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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.
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
kuldipak@gmail.com
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%
0.7
Annual Budget for MonthJan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Previous Month's Balance 0 0 0 0 0 0 0 0 0 0 0
Available Cash 0 0 0 0 0 0 0 0 0 0 0 0
Additional Income 0 0 0 0 0 0 0 0 0 0 0 0
Monthly Expenses 0 0 0 0 0 0 0 0 0 0 0 0
Planned Expenses 0 0 0 0 0 0 0 0 0 0 0 0
Savings 0 0 0 0 0 0 0 0 0 0 0 0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Expense Organizer Version 4.5 Thanks for using - Kuldipak
You Can Edit User Defined Columns in January Month Only. 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
Electricity Bill Gift 0
Phone bills Cloths 0
Water Bill Doctor 0
Gadget & Gizmo User Defined 0
Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
User Defined
User Defined
User Defined Total Daily Expenses 0 Total Expenses 0 Saving 0
0
Cash Flow Thanks for using - Kuldipak
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Cash on Hand
(beginning of 0 0 0 0 0 0 0 0 0 0 0 0
month)
INCOME
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 0 0 0 0 0 0 0 0 0 0 0 0
Total Cash
Available (before 0 0 0 0 0 0 0 0 0 0 0 0
Expense)
EXPENSES
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 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
Jan Feb Mar Apr May Jun Jul Aug Sep
Budgeted Savings 0 0 0 0 0 0 0 0 0
Actual Savings 0 0 0 0 0 0 0 0 0
Yearly Income 0
Yearly Investment 0
Yearly Expenses 0
Yearly Saving 0
1 One time
1 1
1
1 1
1 1
1
1 0
0
0
0
0 0
0
0 0
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0
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Ph
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t/
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1 2 3 4 5
R
Oct Nov Dec
0 0 0
0 0 0
4 6 8 10 12 14
Daily Expenses
4 6 8 10 12 14
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
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