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.
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.
Apart from these very popular categories, business owners can find various other types of spreadsheets solutions by collaborating with a prominent, reliable spreadsheet-solution-providing company and opt for the 'Personalized Spreadsheet'; solutions that are especially designed to meet your imposed criteria, created from scratch, tailor-made and adapted to your particular needs.
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.