Personal Finance Manager V2: Accounts Categories & Budget

PERSONAL FINANCE MANAGER v2 www.indzara.
com
INSTRUCTIONS The template helps answer the following questions about your personal finance:
STEP 1: Enter information in the two sections below What's my net Balance now? How much is in my bank? How much do I owe on credit cards?
Step 2: Enter transactions in the 'Transactions' worksheet On what did I spend my money?
Step 3: View 'Report' worksheet Did I exceed my budget? If so, where?
How has my income and expense varied over months?
Report sheet is locked to prevent accidental editing of formulas. To unlock, use password indzara Am I spending more on any expense category over time?
How much am I saving every month? And how does that add up to my net balance?
ACCOUNTS CATEGORIES & BUDGET

Enter up to 20 accounts each.
Same account name cannot be repeated across Bank accounts, credit cards and Cash.
Enter negative values if you owe money Enter negative values if you owe money Enter negative values if you owe money
BANK ACCOUNTS CREDIT CARD ACCOUNTS CASH ACCOUNTS INCOME CATEGORIES EXPENSE CATEGORIES SUBCATEGORIES TRANSFER CATEGORIES
STARTING STARTING STARTING EXPENSE MONTHLY EXPENSE

ACCOUNT NAME BALANCE ACCOUNT NAME BALANCE ACCOUNT NAME BALANCE INCOME CATEGORY CATEGORY BUDGET SUBCATEGORY TRANSFER CATEGORY
Indian Bank 20000 State Bank of India CC 0 WALLET 1200 SALARY Car 700 Car Maintenance Credit Card Payment
Indian Overseas Bank 8000 ICICI CC -3500 PROPERTY RENT Dining 500 Fuel ATM withdrawal
Visa Account 2000 Entertainment 500 Restaurant Cheque
Groceries 1000 Movies
Medical 750 Coffee Shop
Household 500 Clothing
Utilities 2500 Electronics
Miscellaneous 1000 Groceries
Other T 500 Medical
Insurance
Electricity Bill
Water Bill
Internet Bill
Phone Bill
TRANSACTIONS
There are three types of transactions: Expense Refund: If you purchased an item at a store, you would ente
Income, Expense and Transfer. By default, all transaction with positive amount. If, a few days later, you returned t
Income & Expense transactions should be and got a refund, then you should enter the refund as a new Expens
entered as positive amounts. A special case is negative amount;
when money is refunded. Please see Refund
on the right.
ENTER TRANSACTIONS BELOW Please note that all transactions you enter below are assumed
Date Description Amount

2-Aug-2014 Phone Bill 100.00
3-Aug-2014 Electricity Bill 800.00
3-Aug-2014 Grocery shopping 120.00
6-Aug-2014 Water Bill 500.00
6-Aug-2014 Salary 25,000.00
6-Aug-2014 Property rent from tenant 7,000.00
6-Aug-2014 Internet Bill 500.00
11-Aug-2014 Medicines 600.00
21-Aug-2014 Car Fuel 400.00
21-Aug-2014 Car Repair charges 300.00
21-Aug-2014 Fast food 250.00
21-Aug-2014 State Bank of India CC - Credit C -1,000.00
21-Aug-2014 ICICI CC - Credit Card Payment -1,000.00
21-Aug-2014 State Bank of India CC - Credit C 1,000.00
21-Aug-2014 ICICI CC - Credit Card Payment 1,000.00
24-Aug-2014 Grocery shopping 150.00

2-Sep-2014 Phone Bill 500.00
3-Sep-2014 Electricity Bill 2,000.00
6-Sep-2014 Water Bill 550.00
6-Sep-2014 Salary 25,000.00
6-Sep-2014 Property rent from tenant 7,000.00
6-Sep-2014 Internet Bill 500.00
14-Sep-2014 Grocery shopping 175.00
21-Sep-2014 Car Fuel 400.00
21-Sep-2014 SBI Credit Card Payment -3,000.00
21-Sep-2014 SBI Credit Card Payment 3,000.00
21-Sep-2014 ICICI Credit Card Payment -1,000.00
21-Sep-2014 ICICI Credit Card Payment 1,000.00
2-Oct-2014 Phone Bill 600.00
3-Oct-2014 Electricity Bill 900.00
5-Oct-2014 Grocery shopping 200.00
6-Oct-2014 Water Bill 650.00
6-Oct-2014 Salary 25,000.00
6-Oct-2014 Property rent from tenant 7,000.00
6-Oct-2014 Internet Bill 500.00
11-Oct-2014 Movies 400.00
11-Oct-2014 Shopping for festival 2,000.00
11-Oct-2014 Car insurance 2,000.00

21-Oct-2014 Car Fuel 400.00
21-Oct-2014 SBI Credit Card Payment -1,000.00
21-Oct-2014 SBI Credit Card Payment 1,000.00
21-Oct-2014 ICICI Credit Card Payment -3,000.00
21-Oct-2014 ICICI Credit Card Payment 3,000.00
26-Oct-2014 Grocery shopping 100.00
2-Nov-2014 Phone Bill 800.00
3-Nov-2014 Electricity Bill 950.00
5-Nov-2014 Movies 600.00
5-Nov-2014 Mp3 player 4,000.00
6-Nov-2014 Water Bill 600.00
6-Nov-2014 Salary 25,000.00
6-Nov-2014 Property rent from tenant 7,000.00
6-Nov-2014 Internet Bill 500.00
16-Nov-2014 Grocery shopping 75.00
21-Nov-2014 Car Fuel 450.00
21-Nov-2014 Car Repair charges 600.00
21-Nov-2014 Fast food 400.00
21-Nov-2014 SBI Credit Card Payment -1,000.00
21-Nov-2014 SBI Credit Card Payment 1,000.00
21-Nov-2014 ICICI Credit Card Payment -2,000.00
21-Nov-2014 ICICI Credit Card Payment 2,000.00

3-Dec-2014 Phone Bill 1,000.00
4-Dec-2014 Electricity Bill 850.00
7-Dec-2014 Water Bill 620.00
7-Dec-2014 Grocery shopping 60.00
7-Dec-2014 Salary 25,000.00
7-Dec-2014 Property rent from tenant 7,000.00
7-Dec-2014 Internet Bill 500.00
8-Dec-2014 Cash withdrawal -2,000.00
8-Dec-2014 Cash withdrawal 2,000.00
22-Dec-2014 Car Fuel 350.00
22-Dec-2014 SBI Credit Card Payment -1,000.00
22-Dec-2014 SBI Credit Card Payment 1,000.00
22-Dec-2014 ICICI Credit Card Payment -1,000.00
22-Dec-2014 ICICI Credit Card Payment 1,000.00
28-Dec-2014 Grocery shopping 90.00
31-Dec-2014 Phone Bill 1,200.00
1-Jan-2015 Electricity Bill 920.00
4-Jan-2015 Water Bill 610.00
4-Jan-2015 Salary 30,000.00
4-Jan-2015 Property rent from tenant 7,000.00
4-Jan-2015 Internet Bill 500.00
18-Jan-2015 Grocery shopping 250.00

19-Jan-2015 Car Fuel 400.00
19-Jan-2015 Car Repair charges 200.00
19-Jan-2015 Coffee Shop 100.00
19-Jan-2015 SBI Credit Card Payment -5,000.00
19-Jan-2015 SBI Credit Card Payment 3,000.00
19-Jan-2015 ICICI Credit Card Payment -2,000.00
19-Jan-2015 ICICI Credit Card Payment 2,000.00
31-Jan-2015 Phone Bill 1,300.00
31-Jan-2015 Medicines 400.00
1-Feb-2015 Electricity Bill 910.00
3-Feb-2015 Car insurance 2,000.00
4-Feb-2015 Water Bill 600.00
4-Feb-2015 Salary 30,000.00
4-Feb-2015 Property rent from tenant 7,000.00
4-Feb-2015 Internet Bill 500.00
8-Feb-2015 Grocery shopping 120.00
19-Feb-2015 Car Fuel 400.00
19-Feb-2015 Coffee Shop 150.00
19-Feb-2015 SBI Credit Card Payment -3,000.00
19-Feb-2015 SBI Credit Card Payment 3,000.00
19-Feb-2015 ICICI Credit Card Payment -1,000.00
19-Feb-2015 ICICI Credit Card Payment 1,000.00

1-Mar-2015 Grocery shopping 100.00
2-Mar-2015 Phone Bill 1,500.00
4-Mar-2015 Electricity Bill 900.00
6-Mar-2015 Water Bill 620.00
6-Mar-2015 Salary 30,000.00
6-Mar-2015 Property rent from tenant 7,000.00
6-Mar-2015 Internet Bill 500.00

f you purchased an item at a store, you would enter an Expense Transfer: When money is transferred from one account to another, create two
ositive amount. If, a few days later, you returned the item to the store from the account you are taking the money from 2) 'Transfer' type with positiv
then you should enter the refund as a new Expense transaction with money into; Example of Transfer is Credit Card Payment (transfer from Bank ac
all transactions you enter below are assumed to have happened after the Starting Balances entered in Settings Sheet.
Type Category Subcategory

Expense Utilities Phone Bill
Expense Utilities Electricity Bill
Expense Groceries Groceries
Expense Utilities Water Bill
Income Salary
Income Property Rent
Expense Utilities Internet Bill
Expense Medical Medical
Expense Car Fuel
Expense Car Car Maintenance
Expense Dining Restaurant
Transfer Credit Card Payment

Income Salary
Expense Car Fuel
Income Salary
Expense Entertainment Movies
Expense Household Clothing
Expense Utilities Insurance

Expense Car Fuel
Expense Entertainment Movies
Expense Household Electronics
Income Salary
Expense Car Fuel
Expense Dining Restaurant

Income Salary
Transfer ATM withdrawal
Transfer ATM withdrawal
Expense Car Fuel
Income Salary

Expense Car Fuel
Expense Dining Coffee Shop
Expense Medical Medical
Expense Utilities Insurance
Income Salary
Expense Car Fuel
Expense Dining Coffee Shop

Income Salary

www.indzara.com
ey is transferred from one account to another, create two records 1) 'Transfer' type with negative amount
u are taking the money from 2) 'Transfer' type with positive amount for the account you are depositing the
of Transfer is Credit Card Payment (transfer from Bank acct to Credit Card acct)
lances entered in Settings Sheet. Calculated fields

Account Comments YEAR MONTH
ICICI CC includes late payment fee 2014 Aug
State Bank of India CC 2014 Aug
WALLET 2014 Aug
Indian Bank 2014 Aug
Indian Overseas Bank 2014 Aug
ICICI CC 2014 Aug
ICICI CC 2014 Aug
Indian Overseas Bank 2014 Aug
ICICI CC 2014 Aug
WALLET 2014 Aug

ICICI CC 2014 Sep
State Bank of India CC 2014 Sep
Indian Bank 2014 Sep
Indian Overseas Bank 2014 Sep
WALLET 2014 Sep
ICICI CC 2014 Sep
State Bank of India CC 2014 Sep
Indian Overseas Bank 2014 Sep
ICICI CC 2014 Sep
ICICI CC 2014 Oct
State Bank of India CC 2014 Oct
WALLET 2014 Oct
Indian Bank 2014 Oct
Indian Overseas Bank 2014 Oct

ICICI CC 2014 Oct
Indian Overseas Bank 2014 Oct
ICICI CC 2014 Oct
ICICI CC 2014 Oct
ICICI CC 2014 Nov
State Bank of India CC 2014 Nov
Indian Bank birthday gift 2014 Nov
Indian Bank 2014 Nov
Indian Overseas Bank 2014 Nov
ICICI CC 2014 Nov
ICICI CC 2014 Nov
ICICI CC 2014 Nov
Indian Overseas Bank 2014 Nov
ICICI CC 2014 Nov

ICICI CC 2014 Dec
State Bank of India CC 2014 Dec
Indian Bank 2014 Dec
ICICI CC 2014 Dec
Indian Overseas Bank 2014 Dec
WALLET 2014 Dec
ICICI CC 2014 Dec
State Bank of India CC 2014 Dec
Indian Overseas Bank 2014 Dec
ICICI CC 2014 Dec
ICICI CC 2014 Dec
State Bank of India CC 2015 Jan
Indian Bank 2015 Jan

Salary increased this
Indian Bank month. 2015 Jan
Indian Overseas Bank 2015 Jan

ICICI CC 2015 Jan
ICICI CC 2015 Jan
Indian Overseas Bank 2015 Jan
ICICI CC 2015 Jan
ICICI CC 2015 Jan
State Bank of India CC 2015 Feb
Indian Bank 2015 Feb
Indian Overseas Bank 2015 Feb
ICICI CC 2015 Feb
ICICI CC 2015 Feb
State Bank of India CC 2015 Feb
Indian Overseas Bank 2015 Feb
ICICI CC 2015 Feb

WALLET 2015 Mar
ICICI CC 2015 Mar
State Bank of India CC 2015 Mar
Indian Bank 2015 Mar
Indian Overseas Bank 2015 Mar

SUMMARY
Last Transaction Date
CURRENT NET BALANCE 254,480.00 Friday, March 06, 2015
Current Balance = Starting Balance + Income - Expense + Transfer
BANK ACCOUNTS 255,790.00 CASH 2,455.00 CREDIT ACCTS -3,765.00
ACCOUNT NAME CURRENT BALANCE ACCOUNT NAME CURRENT BALANCE ACCOUNT NAME CURRENT BALANCE
State Bank of
Indian Bank 200790 WALLET 2455 India CC -330
Indian Overseas
Bank 53000 ICICI CC -3435
Visa Account 2000
ACCOUNT TYPE
CHOOSE ACCOUNT Indian Bank BANK
BALANCES AT MONTH END
TRANSACTION SUMMARY FOR PERIOD
12
Enter Begin Date Enter End Date
10
Please enter both Begin and End dates
8
Beginning Balance 20,000.00
Expense 0.00 6
Income 0.00
4
Transfers 0.00
2
Ending Balance 20,000.00
Ending Balance = Beginning Balance - Expense + Income + Transfers
0
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Personal Finance Manager by indzara www.indzara.blogspot.com

MONTHLY FINANCIAL ANALYSIS
This shape represents a slicer. Slicers are supported This shape represents a slicer. Slicers are supported in Excel 2010 or later.
Choose in Excel 2010 or later.
Year and If the shape was modified in an earlier version of Excel, or if the workbook was saved in Excel 2003 or earlier, the
Month
If the shape was modified in an earlier version of slicer cannot be used.
Excel, or if the workbook was saved in Excel 2003
or earlier, the slicer cannot be used.
INCOME 32,000 EXPENSE 4,670 SAVINGS 27,330 BUDGET 7,950
WHERE DID MONEY COME FROM? WHERE WAS MONEY SPENT?

DID I EXCEED MY OVERALL BUDGET? No
Category Budget Expense Budget - Expense
Car; 350
Car 700 350 350
Dining 500 0 500
Entertainment 500 0 500
Groceries 1,000 150 850
Total Result; Salary; 215,000
Total Result; Medical 750 0 750
271,000 Utilities; 4,170
4,670 Household 500 0 500
Utilities 2,500 4,170 -1,670
Miscellaneous 1,000 0 1,000
Other T 500 0 500
Property Rent;
56,000 Groceries; 150
EXPENSE BY SUBCATEGORIES
This shape represents a slicer. Slicers are supported in Excel 2010 or later.
If the shape was modified in an earlier version of Excel, or if the workbook was saved in Excel 2003 or earlier, the slicer cannot be used.
Groceries 1,440
Fuel 2,800
Electronics 4,000
Electricity Bill 8,230
Coffee Shop 250
Clothing 2,000
Car Maintenance 1,100
0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000

Total 7,950 4,670 3,280

HOW DOES MY EXPENSE COMPARE AGAINST BUDGET?
Tracks up to last 10 years
ARE MY EXPENSES STAYING UNDER THE BUDGET?
HOW MUCH AM I SAVING EVERY MONTH?

TRENDS
This shape represents a slicer. Slicers are supported in Excel 2010 or later. This shape represents a slicer. Slicers are supported in Excel 2010 or later.
If the shape was modified in an earlier version of Excel, or if the workbook was saved in If the shape was modified in an earlier version of Excel, or if the workbook was saved in Excel 2003 or earlier, the slicer cannot
Excel 2003 or earlier, the slicer cannot be used. be used.
This shape represents a slicer. Slicers are supported in Excel 2010 or later. CHOOSE ONLY ONE TRANSACTION TYPE
If the shape was modified in an earlier version of Excel, or if the workbook was saved in Excel 2003 or earlier, the slicer cannot be used. This shape represents a slicer. Slicers are supported
in Excel 2010 or later.
If the shape was modified in an earlier version of

Excel, or if the workbook was saved in Excel 2003 or
This shape represents a slicer. Slicers are supported in Excel 2010 or later. earlier, the slicer cannot be used.
If the shape was modified in an earlier version of Excel, or if the workbook was saved in Excel 2003 or earlier, the slicer cannot be used.
AM I SPENDING MORE OVER TIME IN ANY CATEGORIES OR SUBCATEGORIES?
This shape represents a slicer. Slicers

1
are supported in Excel 2010 or later.
If the shape was modified in an earlier

version of Excel, or if the workbook 1
was saved in Excel 2003 or earlier, the
slicer cannot be used.
0 0 0 0 0 0 0 0 0 0 0
0
2014 2015 Total Result

Personal Finance Manager V2: Accounts Categories & Budget

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PERSONAL FINANCE MANAGER v2 www.indzara.

ACCOUNTS CATEGORIES & BUDGET

STARTING STARTING STARTING EXPENSE MONTHLY EXPENSE

Date Description Amount

3-Aug-2014 Electricity Bill 800.00

3-Aug-2014 Grocery shopping 120.00

6-Aug-2014 Water Bill 500.00

6-Aug-2014 Salary 25,000.00

6-Aug-2014 Property rent from tenant 7,000.00

6-Aug-2014 Internet Bill 500.00

11-Aug-2014 Medicines 600.00

21-Aug-2014 Car Fuel 400.00

21-Aug-2014 Car Repair charges 300.00

21-Aug-2014 Fast food 250.00

21-Aug-2014 State Bank of India CC - Credit C -1,000.00

21-Aug-2014 ICICI CC - Credit Card Payment -1,000.00

21-Aug-2014 State Bank of India CC - Credit C 1,000.00

21-Aug-2014 ICICI CC - Credit Card Payment 1,000.00

24-Aug-2014 Grocery shopping 150.00

3-Sep-2014 Electricity Bill 2,000.00

6-Sep-2014 Water Bill 550.00

6-Sep-2014 Salary 25,000.00

6-Sep-2014 Property rent from tenant 7,000.00

6-Sep-2014 Internet Bill 500.00

14-Sep-2014 Grocery shopping 175.00

21-Sep-2014 Car Fuel 400.00

21-Sep-2014 SBI Credit Card Payment -3,000.00

21-Sep-2014 SBI Credit Card Payment 3,000.00

21-Sep-2014 ICICI Credit Card Payment -1,000.00

21-Sep-2014 ICICI Credit Card Payment 1,000.00

2-Oct-2014 Phone Bill 600.00

3-Oct-2014 Electricity Bill 900.00

5-Oct-2014 Grocery shopping 200.00

6-Oct-2014 Water Bill 650.00

6-Oct-2014 Salary 25,000.00

6-Oct-2014 Property rent from tenant 7,000.00

6-Oct-2014 Internet Bill 500.00

11-Oct-2014 Movies 400.00

11-Oct-2014 Shopping for festival 2,000.00

11-Oct-2014 Car insurance 2,000.00

21-Oct-2014 SBI Credit Card Payment -1,000.00

21-Oct-2014 SBI Credit Card Payment 1,000.00

21-Oct-2014 ICICI Credit Card Payment -3,000.00

21-Oct-2014 ICICI Credit Card Payment 3,000.00

26-Oct-2014 Grocery shopping 100.00

2-Nov-2014 Phone Bill 800.00

3-Nov-2014 Electricity Bill 950.00

5-Nov-2014 Movies 600.00

5-Nov-2014 Mp3 player 4,000.00

6-Nov-2014 Water Bill 600.00

6-Nov-2014 Salary 25,000.00

6-Nov-2014 Property rent from tenant 7,000.00

6-Nov-2014 Internet Bill 500.00

16-Nov-2014 Grocery shopping 75.00

21-Nov-2014 Car Fuel 450.00

21-Nov-2014 Car Repair charges 600.00

21-Nov-2014 Fast food 400.00

21-Nov-2014 SBI Credit Card Payment -1,000.00

21-Nov-2014 SBI Credit Card Payment 1,000.00

21-Nov-2014 ICICI Credit Card Payment -2,000.00

21-Nov-2014 ICICI Credit Card Payment 2,000.00

4-Dec-2014 Electricity Bill 850.00