Earn While You Sleep: Why Saving Alone Is Not Enough
Saving is the first step, but money left idle slowly loses its value. Why your savings need to be put to work.
Sunil Kumar
3 min read
Understand Your Money. Build Your Future.
Clear guides on tax, investing and loans, calculators you can check line by line, and free Excel templates for budgets and net worth. Written for India, in rupees.
What Financialdiary does
Most money decisions need three things: understanding the idea, running the numbers and seeing where you stand. Financialdiary puts all three in one place.
Learn
Guides that explain tax, investing, loans and government schemes in plain language, with worked examples in rupees.
Browse articlesCalculate
SIP, EMI, tax and retirement calculators that show every step and state their assumptions, so you can check the maths.
See calculatorsKeep track
A private diary for income, expenses, budgets, investments and net worth is being built. Until then, the Excel templates do the same job.
Get the templates
Financial calculators
Every result comes with a breakdown and the assumptions behind it.
- SIP calculatorWhat a monthly investment could grow to, with an optional yearly step-up.
- EMI calculatorMonthly instalment, total interest and the full repayment schedule.
- FD calculatorMaturity value and interest earned on a fixed deposit.
- PPF calculatorYear-by-year balance of a Public Provident Fund account.
- Retirement calculatorThe corpus you need to retire, and the monthly saving to get there.
- Income tax calculatorYour tax for 2026-27 under the old and new regimes, side by side.
Popular topics
Start with the subject on your mind.
Personal Finance
Net worth, money habits, goals and putting the pieces of your finances together.
4 articles
Loans and Credit Cards
EMIs, interest, credit scores, prepayment and using credit cards without debt.
3 articles
Stock Market
Shares, demat accounts, how exchanges work and the basics of equity investing.
2 articles
Retirement Planning
How much you'll need, EPF, PPF and NPS, and building a plan for later life.
1 article
Latest guides
If You Can, Put Your Money to Work for You
Six ways to put your money to work, from shares and mutual funds to a side business and your own skills, and the main risk of each.
3 min read
Lottery or Shares? Why Investing Is Not Gambling
Some say the stock market is just gambling. How a share differs from a lottery ticket, and why shares still carry real risk.
2 min read
The Rule of 72: How Long Does It Take Your Money to Double?
Divide 72 by a yearly rate to estimate how many years it takes money to double. How the shortcut works, how accurate it is, and what it says about inflation.
2 min read
Coming in the next phase
Plan and manage your money in one private diary
Write down what comes in and what goes out, and Financialdiary turns it into budgets, goals and a clear view of your net worth.
Income and expenses
Record salary, UPI spends and bills by category.
Monthly budgets
Set limits per category and see what's left.
Savings goals
Track progress towards a house, a car or school fees.
Investments
Mutual funds, FDs, PPF, EPF, NPS and gold in one list.
Loans
Outstanding balances, EMIs and interest rates.
Net worth
What you own minus what you owe, month by month.
You enter your own figures. We don't ask for bank logins, and your data is never sold.
- Income
- ₹1,12,500
- Spent
- ₹71,240
- Saved
- ₹41,260
You saved 36.7% of your income this month.
Budgets
- Household₹6,560 of ₹8,000
- Transport₹2,700 of ₹5,000
- Festivals₹15,600 of ₹15,000 · over budget
Net worth₹18,46,300
Free Excel templates
Ready-made sheets with the formulas already in place. Download, fill in your numbers, and keep them.
Monthly budget planner
Plan each month's spending by category and compare it with what you actually spent.
- Income and 16 expense categories
- Budget, actual and difference columns
- Savings and savings rate worked out for you
Excel (.xlsx) · 9 KBDownloadNet worth tracker
List what you own and what you owe, and watch your net worth quarter by quarter.
- Assets, investments and loans in one sheet
- Four quarters of the financial year
- Change in net worth each quarter
Excel (.xlsx) · 9 KBDownloadLoan EMI and repayment schedule
Enter a loan amount, rate and tenure to get the EMI and a month-by-month schedule.
- EMI, total interest and total payment
- Schedule for loans up to 30 years
- Interest and principal split for every month
Excel (.xlsx) · 38 KBDownload