Follow the coloured cells.
Enter your opening cash, salary and payday in Get Started. Navigation links point you to the next step.
A little structure. A clearer payday.Your money system, ₹349
A MONEY SYSTEM BY SAHICALC
Salary
Money OS — Payday Budget & Money Planner
Salary in. Bills coming. Plans waiting.
Know what’s actually left to spend.
Turn your next payday into a clear plan for bills, savings and everyday spending. A guided Excel system you own—not another subscription to remember.
NEW V2.2 Clearer inputs. Easier navigation. Less guesswork.
Regular price ₹799
₹349
INRone time
Save ₹450
✓ One-time purchase✓ Yours to keep✓ No bank login
Excel workbook + filled-in example + 16-page illustrated guide.
Best on desktop Excel. Manual entry. No macros or bank connection.
salary money os.EXAMPLE DATA
YOUR PAYDAY SNAPSHOT
Hey, Ananya. Here’s the plan.
Estimated safe to spend
₹67,003.00
Opening cash + income, less spending, transfers & reserves
Every allocation, accounted for18 SEP
Income since tracking began₹234,000Fictional July–September entries
Transfers funded₹63,000Since tracking began
Your payday checklistPlan → Fund → Review
Set aside money for billsReserved
Move savings & goal fundsFunded
Review what’s left to spendNext step
Illustration of the system. Actual workbook previews below.
Less “where did it go?”More “here’s the plan.”
4 everyday sheets
2 optional deeper views
1 complete illustrated guide
0 subscription fees
YOUR FIRST PAYDAY, MADE SIMPLER
You don’t need to use everything.
Just start with your next month.
Explore the filled-in example first.
Then make the clean copy your own.
Give your money a job.
Plan bills and savings. Record what actually comes in and goes out in one filterable Money Log.
See the room you have.
Use the Dashboard to check spending room, budget progress and your cash balance. Adjust when life changes.
Goals, debts and annual reviews are there when you need them. No need to fill every tracker on day one.
TRY THE IDEA · NO SIGN-UPA bank balance isn’t
A bank balance isn’t
a spending plan.
Some of that money already has a job. Change these example numbers and see what’s left.
Your demo entries stay in this page. We don’t save or send them.
Left after this plan
Not the whole ₹75,000. That’s the difference a plan makes.
Simplified example: starts with ₹0 opening cash and covers one payday. The workbook also carries cash forward, tracks dated bills and transfers, and keeps your monthly history. This is an estimate, not a spending guarantee.
Turn this into your monthly routine ↗SOUND LIKE YOUR MONTH?
You work hard for your salary.
Give it a little direction.
Less scattered tracking.
A routine you can come back to.
“Where did my salary go?”
See the whole month.
Compare your spending plan with actual entries, so the small expenses have a place too.
“That annual bill? Again?”
Make room before it’s due.
Keep insurance, festivals, travel and bigger purchases in dedicated sinking funds.
“Can I actually spend this?”
Check what’s left.
See an estimate after recorded spending, transfers, unpaid bills and remaining allocations.
SEE IT BEFORE YOU BUY IT
Real sheets.
A much clearer picture.
These are actual workbook previews.
All numbers are fictional example data.
THE QUESTION IT ANSWERS
“What can I spend after my commitments?”
See estimated spending room, budget left and a daily estimate. Check recorded cash against your spending account before deciding.
Your entries drive the calculations. Always reconcile with your account.
Make this your routineTHE PAYDAY WORKFLOW
Salary in. Plan ready.
A simple order for the decisions
you make every payday.
- 01
Confirm salary
- 02
Reserve bills
- 03
Allocate savings
- 04
Plan investments
- 05
Fund your goals
- 06
See safe to spend
Record what actually moved. The workbook updates what still needs funding.
SMALL ROUTINE. BIGGER PICTURE.
One system.
For all the moving parts.
Start with your next payday.
Grow into the other trackers at your pace.
Your everyday money
Know what comes in. Decide what goes out.
- Salary & income setup
- Planned vs actual budget
- Bills & subscriptions
Your next payday
Give every rupee a job before it disappears.
- Six-step payday workflow
- Safe-to-spend estimate
- Bonus & salary-hike planner
Your bigger plans
Make space for the things you are working for.
- Emergency-fund runway
- Sinking funds & financial goals
- EMI & debt tracker
Your progress
Step back and see more than this month.
- Net-worth tracker
- Annual money dashboard
- Monthly review checklist
YOUR COMPLETE DOWNLOAD
Open it.
Make it yours.
Keep coming back.
- 01The clean Excel workbook
Four everyday sheets and two optional deeper views. Coloured input cells, navigation links, protected formulas and charts that update with your entries. No macros.
- 02A filled-in example workbook
Three fictional months to explore before you enter your own figures.
- 03One complete illustrated PDF guide
16 illustrated pages covering setup, a worked example, everyday use, cash checks, Sheets import, troubleshooting and safe migration.
- 04One year of released updates
Template fixes and improvements. Keep your downloaded version, with no renewal.
IS THIS YOUR KIND OF SYSTEM?
For people who want
to be hands-on with their money.
You want a repeatable payday routine.
You are comfortable entering spending yourself.
You prefer a file in Excel or your own Google Drive.
Need automatic bank sync or personalised financial advice? Those are not part of this product.
YOUR NEXT PAYDAY STARTS HERE
Salary
Money OS.
One purchase.
A system for the months ahead.
Regular price ₹799
₹349
INRone time
Save ₹450
Launch price until 1 Nov 2026, 11:59 pm IST. New offer checkouts close 16 minutes before the deadline.
✓ Clean workbook + fictional example✓ Complete illustrated PDF + Sheets import instructions✓ One year of released template updates
Your financial entries stay in your file.
No SahiCalc login. No bank connection.
1. Your email2. Payment3. Download
A question before you buy?Talk to SahiCalc ↗Already purchased? Get download help
GOOD QUESTIONS. CLEAR ANSWERS.
Before you
make it yours.
A little clarity before your first payday with Salary Money OS.
What exactly am I buying?
A digital download containing a clean Excel workbook, a separate workbook with three months of fictional example data, and one complete illustrated PDF guide covering setup, daily use, Google Sheets import and V1 migration. This release does not include a video or a separate native Google Sheets template.
Is this a subscription?
No. You pay once and keep your downloaded version. Any template fixes and improvements released within one year of purchase are included, with no automatic renewal or promised release schedule. The current price and offer deadline are shown above.
Which software do I need?
Use a current desktop version of Microsoft Excel for the intended experience; Excel is not included. The guide also explains how to import a copy into your own Google Sheets. V2.2 has been checked in desktop Excel, but this release has not been verified in native Google Sheets. Charts, formatting, filters and formula protection may differ after import. A phone is not recommended for setting up or managing the workbook.
Will it work if I am new to budgeting?
The fictional example shows how salary, bills, savings and goals fit together. Start with Get Started, Money Log, Monthly Plan and Dashboard. The other two sheets are optional; the complete guide walks you through each step. You enter your transactions manually; there is no automatic bank sync.
Does SahiCalc see my salary or spending?
No. SahiCalc receives purchase details, not your workbook entries. The Excel file stays wherever you save it. If you use Google Sheets or cloud sync, that provider stores your file. No bank login is required.
What does “safe to spend” actually mean?
It starts with opening available cash and posted income, subtracts spending and transfers, and reserves unpaid commitments due before next payday. It carries unspent cash forward and excludes future salary and existing saved pots. A negative amount flags a shortfall. Keep your entries complete and reconcile the estimate with your spending account.
How much can I record?
Each workbook has 2,000 cash-entry rows, 144 dated category budgets, 240 commitments and 20 shared goal or sinking-fund pots. Start a fresh copy for a new year and keep your previous files for reference.
How do I receive my files?
After your payment is verified, we email a download link to the address you enter at checkout. The link lasts 72 hours and allows five download attempts. If it expires, use the download-help page to request a new link with your purchase email.
What if I need help or a refund?
Email admin@sahicalc.com. The product terms explain support and refund handling for technical problems, duplicate purchases and other eligible cases. Your statutory rights remain unaffected.
MAKE YOUR NEXT PAYDAY FEEL DIFFERENT
You bring the salary.
Bring home the system.
Get Salary Money OS — ₹349One-time purchase. Your own copy. A clearer routine.
Salary Money OS is an educational budgeting tool, not investment, tax, legal or personalised financial advice. Calculations depend on complete, accurate entries. Google Sheets requires importing the Excel workbook; formatting, charts and protection can differ.
Planning your income? Try our free in-hand salary calculator and EMI calculator.