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You'll need to include more than a basic level of development and calculation in your spreadsheet. There are lots of free spreadsheets on the web. Most of which are very simple and easy to build. People aren't going to buy a spreadsheet that they can get for free. Take yours to the next level by adding all the value you can imagine. Then research on how you can offer a little bit more on the development and functionality side.

One user at a time : In the instance where there are a number of people required to work on a spreadsheet, they can only access it when no-one else is working on it.

Not dynamic : Data ranges become redundant when new records are added, resulting in established formulae needing to be altered. Overlooking these errors can be embarrassing and downright expensive, especially if important decisions are being made based on the data.

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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