Financial templates are highly complex and they deal with very large and advanced calculations. These spreadsheets are used in mortgage, loans, and property investments and so on.
Rather than having to go through the pain and suffering of learning a new technology and having to experience trial and error development, the best route would be to acquire the services of a consultant, who can identify your needs and create a customised solution. Obviously, the cost of such a project would depend on the size and complexity of the spreadsheet and your requirements. However, you might be surprised at how cost-effective this project would be.
Spreadsheet: A table of rows and columns, free for the entry of data, or formulae for calculating actions on those data. Each row or column is said to contain many 'cells' and these cells serve as 'homes' for every shred of information.
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.
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