JENECT SOFTWARE, CO.  Actually, Download History Service does a great deal more than a simple excel spreadsheet. Including entirely automated reports that reveal every income, expense, transfer and profit, the software allows searching, sorting, tagging, and a slew of features that would require ages to create with custom equations in Excel. Not to mention the database reliability, ease of use, and powerful ability to quickly import partial files, perhaps on a monthly basis when several thousand transactions are involved. Thanks for stopping by!  
(Version 1.0.7)