At present, some of the most requested types of spreadsheet packages in the market are: 'Spreadsheets for Small Businesses' and a subset of that: 'Spreadsheets for Actors'.
When VisiCalc hit the scene back in the eighties (in the last century), the relatively small group of Apple II users went crazy. It was like manna from heaven for the poor accountants, scientists and engineers who were used to filling in enormous analysis sheets with a pencil. Now, they could use VisiCalc to do the same task, AND calculate the result automatically.
Most spreadsheet applications have built in formulas and functions that will do the math for you so you don't have to. You can keep a running balance of your accounts and you can have each category totaled as well. You can keep it as simple or make it as sophisticated as you please.
Protection of formulae : How often have you forgotten to protect the cell contains the formula that took you hours to test and perfect. It takes one instance of honest human error, and that formula is gone.
examples of spreadsheet packages
spreadsheet templates for tracking