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.
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.
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.
Over time, the spreadsheet grew into what we see today, in the form of Microsoft Excel and a number of similar products on the market. The power of the spreadsheet has grown almost exponentially, allowing the user to create customised formulae, charts, pivots and so on. Worksheets can be linked and updated automatically.
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