My non-technical grandparents use Excel for tracking expenses. Yeah, they couldn’t do complex formulas or macros, but that’s irrelevant.

Using basic spreadsheet software is at least as ubiquitous as owning a home PC in the US. You can assume pretty much everyone can work their way through it, maybe with some help.

Meanwhile, you could easily argue that filling in the same data in a web form via a browser would be less intuitive for many people.

And regardless of which is easier, keeping the data private is clearly a priority.