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.
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.
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.
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.
uses of spreadsheet
spreadsheet templates for business