Once you design the type of budgeting spreadsheets you want to use, it will be easy to copy it for subsequent months or years. You can also use just one sheet and create tabs for each month.
Financial templates are highly complex and they deal with very large and advanced calculations. These spreadsheets are used in mortgage, loans, and property investments and so on.
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.
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.