For pure data analysis, the spreadsheet is, indeed, king. To a point...Despite all of these extremely powerful features, the spreadsheet has limitations, which tend to manifest when you least expect it. Often, Murphy's Law applies and the spreadsheet falls over when you are right in the middle of a major undertaking, like month-end or meeting a tight deadline.
Size limitation : When a spreadsheet is first constructed and tested, the size tends to be small. However, as the spreadsheet grows with more and more data, it start slowing down, until it reaches that point where your feet go to sleep while you waiting for the re-calculation to finish.
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.
Selling spreadsheets helps you to build a catalog of spreadsheets that you can take with you and use in various areas of your life. Spreadsheets built for sale are usually built for flexibility and would be customizable to your life, or job, or new life, or new job.
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