You can create your own budget spreadsheet or use an existing template, which gives you more flexibility to meet your personal needs. After a free 30-day trial, Tiller is $79 a year.

All the templates work for Excel, and several are also available for OpenOffice Calc and Google Sheets. It's just what you need to be a spreadsheet ninja.

Open your program of choice and look for the “Template” or “Project” gallery. Select the template that best matches your needs, like “Monthly Home Budget,” to create a new spreadsheet.