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.
You may also want to track your current spending on one sheet with columns for different categories. Some individuals will list the budgeted amount in one column and then list the actual amount spent in the column next to it.
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.
Early databases available for the PC market were simple two-dimensional solutions and were essentially designed as a record-keeping system. However, when computing power increased, the advent of the relational database became an affordable option. Applying the rules proposed by Edgar Codd, the Database Management System (DBMS) became a reality, with products such as dBase being widely implemented in the desktop market.
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