Creating Google Sheet & Microsoft Excel Budget Spreadsheet Templates

I wish to create bundles for certain categories: Personal (tracks 1 person), Couples (tracks 2 persons), & Families (4+ persons). All of these will have similar products such as: The instructions & setup tab, Annual Dashboard Tab, Annual totals tab, 12-month budget tab (Jan-Dec), Bill Calendar, Emergency Funds tab, Sinking Funds, Debt( Snowball/Avalanche/Custom) tab, Investment Calculator tab, Home Affordability tab, & Net worth Tab. In that same order. It will be available in 4 currencies: $, Yen, Euro, & Pounds. Make sure that most cells are protected and will prevent editing so that formulas won't be disturbed or graphs. All of these will need to be compatible with Google Sheets & Microsoft Excel