@eyrei:
here is an example excel 2000 file (did not have time to do in access, but this should give you an idea)
the blue fields are automatically filled.
you enter a "starting balance", for example at the beginning all will have 0, at the end of the month a new file is generated and all have there the balance at the moment.
then you enter the gpt the citizen earns this term (fixed for whole turn! if he quits a job he gets nothing for his job for the term). you also enter the deduction in gpt (for example for housing). the gpt net is automatically calculated.
you also enter the number of turns played till now with this gpt-values.
you then add one account moovement after each other from left to right (like +10,-5,+15,...) for the payings.
from these values, the updated balance is calculated (start+gptnet*turns+moovments).
if a new term starts, you just mark the whole "balance" column, copy it to the clipboard and start a new file (you should have a empty one ready) or maybe even just copy an empty table in the same file, then you "paste only values" the balances to the "starting balance" column and restart ;-)
this must of course be tweaked, but u see its possible to do. it should nevertheless be done by the banker, cause he will have to work with it.