Finger-tracking systems and methods for virtual instruments playback. The described system tracks the position of user's ten fingers on a projection surface and can be used to play virtual instruments such as virtual piano, drums, and bells. The system tracks the movement of user's ten fingers while keeping them free of encumbrance or excessive postural constraints. More specifically, in one or more embodiments, a coded light based projector is used to send out location signal onto a flat surface, and ten light sensors are mounted on user's fingers to receive these signals and locate user's fingers. Based on their locations and relative distance to a fixed point, a printed music instrument can be used for virtual instrument music playback. With the described tracking system, various embodiments of virtual music instruments may be implemented, including a system and method for virtual piano playing as well as virtual Chinese bell playing on printed keyboard and printed Chinese bell set.