Many spreadsheet applications nowadays have functionality above and beyond the traditional, offering a variety of charts, look-up tables, databases and more functionality than can be mentioned here.
You might be providing an extremely valuable service to many, many people. Your spreadsheet might free up peoples time from boring and tedious administrative work to spend more time doing things they love. It might help keep businesses above water or help them reach for new heights. Your spreadsheet might even help to create jobs or at least keep people employed.
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.
Judging by this fact, the recommended course of action is to hire the services of a specialized company, a firm that will take care of all the details and subtleties of the spreadsheet programming in your place, and provide you with a ready-made or tailor-made spreadsheet solution that outperforms your expectations.
examples of spreadsheet packages