I think I'm able to create excel file myself since I was using VBA (long time ago).
It is difficult to find a service that meets all your needs, and if it is found, it will be paid, or some features are present in one service and others are not available.
You mentioned that you have good experience with the Excel program and related scripts, so let me recommend you to use this open source code.
start creating your track spending from this code
https://github.com/KarmCraft/crypto-balance-excel-sheetyou can ask a developer to modify a part to include new features, it's a better solution than a monthly paid feature.
After a few days you will be able to build something like this.