Rather than having to go through the pain and suffering of learning a new technology and having to experience trial and error development, the best route would be to acquire the services of a consultant, who can identify your needs and create a customised solution. Obviously, the cost of such a project would depend on the size and complexity of the spreadsheet and your requirements. However, you might be surprised at how cost-effective this project would be.
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.
For pure data analysis, the spreadsheet is, indeed, king. To a point...Despite all of these extremely powerful features, the spreadsheet has limitations, which tend to manifest when you least expect it. Often, Murphy's Law applies and the spreadsheet falls over when you are right in the middle of a major undertaking, like month-end or meeting a tight deadline.
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 tracking
spreadsheet templates for small business