India Money OS: Budget, SIP and EMI Planner, Old vs New Tax Regime, Net Worth and Mutual Fund Tracker

One workbook for a household's whole money picture: a monthly budget, up to 8 loans with a prepayment what-if, up to 10 SIP goals, an emergency-fund plan, an old vs new tax regime comparison, a net worth tracker and a mutual fund tracker that looks up NAVs from AMFI's own public file.

What's inside

• India-Money-OS-v1.0.xlsx: 14 sheets (Start Here, Dashboard, Settings, Categories, Transactions, Budget, EMI Planner, SIP Planner, Emergency Fund, Tax Regime Compare, Tax Rates, Mutual Funds, NAV Data, Net Worth) with a fictional sample household
• India-Money-OS-NAV-Import-Steps.txt: copy-paste steps and formulas for bringing current NAVs into the workbook, for Google Sheets (IMPORTDATA), Excel (Power Query M code) and manual paste
• India-Money-OS-Guide.pdf: a 20-page setup guide with real screenshots of every sheet

How to use it

1. On Start Here, clear the sample and follow the 8 setup steps: household details on Settings, your own categories, then your transactions.
2. Fill EMI Planner, SIP Planner and Emergency Fund once, then update Transactions and one Net Worth column each month.
3. Bring in current mutual fund NAVs using the import-steps text file, and fill Tax Regime Compare once a year (or when your salary changes).

Requirements

• Microsoft Excel 2010 or later, with Power Query for the automatic NAV import. The workbook uses only functions Google Sheets also supports, and opens there with File > Import or after uploading to Drive; NAVs then use a Google Sheets-only IMPORTDATA formula, given as text in the import-steps file.

Good to know

• This is a template for general information, not legal, tax or financial advice. Laws and rates change. Check the current rules, or consult a qualified professional (an advocate, chartered accountant or company secretary), before relying on it.