A simple budget spreadsheet by Finshots

Because a lot of you have requested for it, we decided to create a very simple budget spreadsheet to help get you started with mo
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Let's make this budget your own!

What is your name?

Do you have a spouse/partner joining you in this budget?

How many people will you support with this budget?

What kind of budget do you want to create?

Now we've got this out of the way, let's begin. We've made it a little granular to help as much as we can but you can go over your
own. We hope it helps. Enjoy!

Note: You can enter your inputs in cells highlighted in this colour. If you input
something in the white cells, your budget could break. Oops!

Finshots Money Team

manage finances separately, we
another sheet for them!

Click on dropdown

Click on dropdown
ge finances separately, well, just create
er sheet for them!

on dropdown

on dropdown
Income (aka the dough that we all live for)
Salary
Gross monthly income ₹100,000

Monthly Tax Deduction (TDS) ₹5,000

Health insurance contribution (for self/parents) ₹0
EPF contribution ₹5,000
NPS/Any other pension contribution ₹0
Other payroll deductions? ₹0
Anything else to deduct??? ₹0

Net monthly income ₹90,000

Total net monthly income ₹90,000

Adulting expenses (aka the fixed kind for daily needs)

Category Monthly
Rent/EMI for home loan ₹15,000
Maintenance ₹0
Utilities (electricity,water,gas) ₹5,000
Internet/Mobile ₹1,000
Groceries ₹5,000
House help ₹2,000
Fuel/transport ₹3,000
Child care ₹0
Pet care ₹0
Gym ₹0
Subscriptions (Netflix/Amazon Prime...) ₹1,000
Misc others ₹3,000
Anything you missed? ₹0
Last chance...you're sure you didn't miss anything? ₹0
Total ₹35,000

Treat yourself expenses (aka the splurge variety)

Category Monthly
Dining out ₹3,000
Alcohol (all those bottles you hoard at home goes here too) ₹0
Ordering food home (Swiggy/Zomato kind) ₹1,000
Movies ₹1,000
Other entertainment ₹2,000
Travel (like the weekend drives/trips) ₹0
Fashion/clothing/accessories... ₹1,000
Spa/books/music/courses/flowers/the other little things you like ₹500
Work-related lunches/drinks ₹0
Anything else? ₹500
Total ₹9,000

Loans (aka the money you owe others)

Category Monthly
Vehicle loan ₹0
Personal loan ₹0
Credit card debt ₹0
Education loan ₹10,000
Money owed to friends ₹0
Other loans? ₹0
Total ₹10,000

We're moving to the yearly expenses now. Look at the highlighted column and don't trip up when yo

Occasional expenses (aka the yearly surprises and shocks)

Category Yearly
House repairs ₹1,000
Vehicle service/repairs ₹5,000
Gifts ₹2,500
Healthcare (don't forget dental and eye checkups) ₹5,000
Anything else? ₹0
Total

Yearly pocket-pinchers (aka the ones you forget about)

Category Yearly
Vehicle insurance ₹5,000
Life insurance ₹10,000
Health insurance ₹10,000
Property taxes ₹0
Extra taxes ₹0
Charity/Donations ₹5,000
Misc ₹5,000
Total
 Total
What can I save monthly? ₹31,958
Any comments/notes? Rental income
Monthly

Tax?

Net monthly income ₹0.00

% of income
17% Adulting expenses as % of income
0%
6% Rent/EMI for home loan Maintenance
1% Utilities Internet/Mobile
6% (electricity,water,gas)
Groceries House help
2%
Fuel/transport Child care
3%
Pet care Gym
0% Subscriptions Misc others
0% (Netflix/Amazon
0% Prime...)
Anything you missed? Last chance...you're sure
you didn't miss anything?
1%
3%
0%
0%
39%

% of income
3% Splurging as % of income
0%
1% Dining out Alcohol (all those bot- Ordering food home Movies
1% tles you hoard at home (Swiggy/Zomato kind)
goes here too)
2%
Other entertainment Travel (like the Fashion/clothing/ Spa/books/music/
0% weekend drives/ accessories... courses/flowers/the
1% trips) other little things you
like
Work-related Anything else?
lunches/drinks
 tles you hoard at home (Swiggy/Zomato kind)
goes here too)
Other entertainment Travel (like the Fashion/clothing/ Spa/books/music/
weekend drives/ accessories... courses/flowers/the
trips) other little things you
like
1%
Work-related Anything else?
0% lunches/drinks
1%
10%

% of income

Remember, if you're paying a home loan,

we've included it into your fixed outgo as
rent/home loan

11%

ed column and don't trip up when you're noting down the numbers

Monthly % of income
₹83 0%
₹417 0% You might have to think how you spent last year
₹208 0% before you fill this up!
₹417 0%
₹0 0%
₹1,125 1%

Monthly % of income
₹417 0%
₹833 1% Don't forget to set aside a monthly fund for this.
₹833 1% Otherwise you'll get an end of the year shock.
₹0 0%
₹0 0%
₹417 0%
₹417 0%
₹2,917 3%
% of income
36%
 Any comments/notes? Freelance income
Monthly
Yes, you pay tax on any income.
Don't forget to set it aside! Tax?

Net monthly income ₹0.00

s % of income
e loan Maintenance
Internet/Mobile
as)
House help
Child care
Gym
Misc others

ed? Last chance...you're sure

you didn't miss anything?

g as % of income
ering food home Movies
ggy/Zomato kind)

hion/clothing/ Spa/books/music/
ssories... courses/flowers/the
other little things you
like
ggy/Zomato kind)

hion/clothing/ Spa/books/music/
ssories... courses/flowers/the
other little things you
like
 Any comments/notes?

Yes, you pay tax on any income.

Don't forget to set it aside!