What is mutual-fund-portfolio-tracker-excel?

This project is an Excel spreadsheet built for tracking Indian mutual fund investments for an entire family, without relying on any cloud service or app. The creator built it after their previous cloud based tracker stopped supporting multiple family accounts under one login, and after finding that other alternatives were either too invasive with personal data, too technical to set up, or came from companies with unclear data practices. The spreadsheet imports your investment history from a Consolidated Account Statement, which is an official document that Indian mutual fund investors can download, and turns it into detailed tracking across your whole household. It calculates returns for each person's investments and for the family as a whole, tracks gains for tax purposes using a strict first in first out method aimed at India's tax exemption rules, and can simulate what would happen if you sold part of your holdings, splitting the result into different tax categories. It also lets you group different investments across family members into a single shared savings goal, and includes basic calculators for lump sum and recurring investments. Privacy is the central design idea here. The spreadsheet itself never makes any calls to the internet: all calculations happen locally using ordinary spreadsheet formulas and a script written in VBA, Excel's built in macro language. The only network activity is a separate, manual step where you run a command yourself to fetch the latest fund prices, so nothing happens automatically in the background. Because the tool uses macros, Excel will show a security warning when you open the file, and you need to enable macros for the calculations to work, though the author encourages you to inspect the macro code yourself to confirm it does not connect anywhere else. Setting it up involves running a separate command line tool to convert your downloaded statement PDF into a CSV file, then copying that data into the spreadsheet. The steps differ slightly for Windows, Mac, and Linux users, mainly around clipboard tools needed on Linux.