Resources
Spreadsheet templates that work like software
Practical spreadsheet templates for Indian households and small businesses. Each page explains what the template does, who it’s for, the exact fields, a real workflow, and a preview — so you know precisely what you’re setting up before you start. They’re the implementation layer of the site, where the guidance in the articles becomes a simple system you actually maintain.
Agribusiness & Rice Milling
Business & SME
Budgeting
Wealth & Investing
Debt & Credit
Tax
Systems & Dashboards
How the templates work
Each free template is an Excel workbook (.xlsx) with its formulas already in place, so totals, balances and ratios update as you type. It also opens in Google Sheets (File → Import) and LibreOffice.
Each page shows, before you click, whether the template is a free download or available on Gumroad, and its price. Paid templates include a Google Sheets version you copy into your own Drive (you can save it from there as an Excel workbook), a filled example and a Quick Start Guide, delivered by email through Gumroad.
Choosing a template
Households. Start with the monthly budget template or the 50/30/20 template, add the emergency fund tracker, and move to the family finance dashboard when two incomes share the costs.
Debt. The loan EMI tracker, debt payoff tracker and credit card tracker keep due dates, balances and card utilisation in one place.
Long-term and yearly. The net worth tracker and financial goal tracker follow progress over years, the yearly finance review runs once a year, and the tax document checklist comes out before you file.
Small businesses. The business cash flow template, invoice tracker, receivables and payables trackers, and the GST and TDS trackers cover the monthly cycle. The SME working capital dashboard and inventory finance tracker show how much cash is tied up.
Agribusiness. The agribusiness cash flow template plans cash across crop cycles, and the rice mill finance tracker follows paddy cost, milling yield, by-products and buyer credit. Both come from running a rice mill, not from theory.
Running a rice mill. The Agribusiness & Rice Milling section also holds the registers a working mill keeps, sold on Gumroad: the Paddy Hulling Profit Calculator settles one batch after driage, Rice Mill Profit per Quintal compares varieties month by month, the Paddy Purchase Ledger and the broker-wise Sales Ledger keep what the mill owes and is owed, the Rice Bran Sales Register prices bran from its oil report, and the Sauda Book, Bardana Book and Dispatch & Freight Register follow deals, bags and freight.
Pair a template with the guide and calculator on the same topic: the guide explains the decision, the calculator tests it on your numbers, and the template keeps it going month after month.