Spreadsheet templates are used for many reasons and each template vary according to the purpose it is used for. Spreadsheets are designed with different calculations depending on various needs.
The templates designed to use for saving calculations varies according to the saving calculations made depending on the types of calculations to be made. These spreadsheets make the calculations and the data entry easier than doing it by any other format.
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.
You'll need to find a way to make your spreadsheet accessible. You can build a website, which will require paying for a domain, hosting, site security, dealing with an internet transaction service, graphic design, content for the website, marketing your website, Search Engine Optimization, and all the other madness that comes with managing a site.