These are the pros and cons of selling spreadsheets. The real beauty in this idea is that you could do the work once and there is no limit to how much you can earn, especially with effective use of the internet and other mass communication tools.
However, companies can nowadays achieve these goals with less effort and in a cheaper way by using properly designed spreadsheets. The right spreadsheet solutions allow companies of all shapes and sizes to achieve and maintain a prominent position on the market, optimizing and accelerating a wide range of specific business processes and tasks.
When VisiCalc hit the scene back in the eighties (in the last century), the relatively small group of Apple II users went crazy. It was like manna from heaven for the poor accountants, scientists and engineers who were used to filling in enormous analysis sheets with a pencil. Now, they could use VisiCalc to do the same task, AND calculate the result automatically.
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.
spreadsheet templates for tracking
examples of spreadsheet packages