Telling someone to just “use css html and js” is about as helpful as telling someone to “just write code”.
(Don't worry I know you're joking).
But you and many others picked up on the implicit premise of this request: to make it in a form that ranks highly on search. A form that is monetizable even if it doesn't help as much. To be clear, I realized this too but I still wanted to point out the more helpful way to cut this for-profit gordion knot.
Maximize help instead of monetization and it's suddenly simple. And you can even work on making a JS/CSS web application after the 15 minutes the simple html+files way takes. Maybe someone else will even make it for you using the spreadsheets you put out. That'd save a lot of time and help everyone the same amount.
I also disagree that downloadable HTML files are a good solution here.
Downloading html files and then opening then isn’t really feasible for anyone outside the tech bubble we are in.