A winning spreadsheet could make you a fortune. If you could effectively identify what many people want and are willing to pay for, and can make your spreadsheet easily accessible, you could be cashing checks for the rest of your life.
You'll need to develop good marketing material. Things like demo videos, which you can find plenty examples on YouTube, screenshots, and keyword rich descriptive text help people find your spreadsheet and communicate the value that sets yours a level above the rest. Excelville.com actually allows you to upload your spreadsheet with all of this marketing material in an easily searchable and user friendly website.
You may want to create a workbook with multiple sheets for various aspects of your budget. You can have one sheet that keeps track of savings and investments and another sheet that lists your monthly bills.
When your spreadsheet start to hit its limits, what options are open to you? Perhaps the best option is to consider the conversion of your spreadsheet to a database solution. Relational databases became viable not too long after the spreadsheet was well-entrenched as the affordable and quick means of gathering data and performing calculations.
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