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You should probably make this into a webapp if you want to get the HN crowd interested in it.
With a spreadsheet the only thing I have to do is download it. It is that simple. No registration needed, which is one of the main complaints I see here in HN. I really like the simplicity of just let me download the thing. I haven't used it yet, though...
A web app would immediately make me not interested in it.

The great thing about an excel file is you can share it with your co-founder/accountant/CFO without needing to create accounts, troubleshoot "I can't log in" etc.

How many people write a web app to do their financial forecasting vs plugging it into Excel. Say what you will about Excel, but the world runs on it.

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From Google:

How much should a startup spend? | BugHerd blog.bugherd.com/how-much-should-a-startup-spend/‎ 3 hours ago – We've created a spreadsheet to help you work out how much your startup should spend each month to get the most out of your capital.