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 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.
You could make money doing something you love (or like [or maybe not so much but just really good at]). It's great to see a spreadsheet come together, and usually a lot better than what you originally envisioned. Especially when the dang thing works.
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.
spreadsheet templates for small business
spreadsheet templates for business