Plan monthly take home income against loan EMIs SIP investments and living costs with surplus tracking

This template is designed for individuals, households and small business owners who want to track income, expenses and stay on budget — without the need for expensive specialist software.
The EMI and SIP Monthly Cash Flow Planner is part of our Personal Finance & Budgeting collection — downloaded 10 times and counting. Built from real-world experience by the ExcelGurukul team and tested across multiple industries and roles.