Today, there are a large number of options to choose from. The downside to upsizing your spreadsheet to a database system is that databases require fairly in-depth knowledge, especially with regard to extracting data in queries, form construction and reporting.
Not dynamic : Data ranges become redundant when new records are added, resulting in established formulae needing to be altered. Overlooking these errors can be embarrassing and downright expensive, especially if important decisions are being made based on the data.
Most spreadsheet applications have built in formulas and functions that will do the math for you so you don't have to. You can keep a running balance of your accounts and you can have each category totaled as well. You can keep it as simple or make it as sophisticated as you please.
Using Excelville.com, there are no costs associated with selling spreadsheets and you don't need to build and manage a separate site, which works out pretty well. Whatever path you take, I wish you the best of luck. Leave a comment and let me know how things are going for you.