For your digital products focused on spreadsheet templates and apps, I suggest a modern, professional, and tech-savvy color palette that conveys simplicity and effectiveness. Here’s a color palette that reflects these qualities:

 <Tech Savvy Elegance>
1. Cerulean Blue - 
                            
                            #00A3E0
                         - A calming and trust-inspiring blue that promotes a sense of clarity and focus.
2. Soft Grey - 
                            
                            #F4F4F4
                         - A light, neutral grey that adds a clean and minimalist touch, making content easy to read.
3. Charcoal Black - 
                            
                            #333333
                         - A strong and sophisticated black that provides contrast and can be used for text and key elements.
4. Vibrant Green - 
                            
                            #3EBB8E
                         - A fresh, lively green that symbolizes growth and success, perfect for your financial models.
5. Warm Coral - 
                            
                            #FF6F61
                         - A soft coral that adds a touch of warmth and friendliness to your templates, making them approachable.

This palette balances professionalism with a touch of warmth, encouraging users to engage with your products.

Would you like to explore any specific themes, additional color options, or design elements that you might want to incorporate into your brand?