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 can also create a calendar with a spreadsheet application and keep it within your budgeting workbook. You can list dates bills are due and you can also use the calendar in accordance with your budget to plan for special items or vacations. Having everything in one place will make it easier to manage your finances and plan for the future.
Spreadsheet: A table of rows and columns, free for the entry of data, or formulae for calculating actions on those data. Each row or column is said to contain many 'cells' and these cells serve as 'homes' for every shred of information.
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.
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examples of spreadsheet packages