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.
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.
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.
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.