Seems like a cool idea, and I can definitely see this working for the non-smartphone market, especially with people like my dad, who's company still issues a non-smartphone company phone.

However, by far the biggest red flag for me is that there is no About page or any description of what actually happens. Is there a web interface for me to login to after I've got some expenses logged? Or is it purely a phone-driven interface? Some screenshots, or maybe a diagram of the process would be essential here.

As a huge Mint.com fan I'm having a hard time figuring out why I would use this. I also have the Android app which lets me see a whole bunch of info about my budget automatically.

Is your target market people without smart phones? I could see this working with them. My biggest worry would be the fact people are lazy when it comes to budgets. I know I am. I like Mint.com because I can spend like normal without manually tracking it and eventually they send me an SMS saying STOP SPENDING MONEY. :)

My target market so far is indeed people without smartphones, as well as couples - that's why I've got the little 'members' tab for keeping track of a budget collaboratively.

When I first set out to build it, I had to consider whether to make it something you hook up to your bank accounts, or something you manage yourself - I went the self managed route, because it lets you track things like cash on hand in addition to money in your bank account.

Smartphones (which I'll define as anything with a keyboard that doesn't require you to do T9 input) are now so cheap that there is close to a 1:1 overlap between "smartphone owners" and "people who do anything with their phone other than talk on it".

I think this goes right to your addressable market: I'm concerned that you might be creating a cool, useful application for a non-web savvy, non-phone savvy market.

This seems cool to me... does it let me text in expenses, and then track my balance? Issues tho:

1) It wasn't really clear to me what "initial budget amount" means... monthly? I was expecting to put in my balance I think.

2) I think I was confused about the description too... description of what? My monthy budget? It's my monthly budget! What else is there to describe?

3) It says "Whoops! That password was bad" when I try to log in

If you're tracking expenses, you could maybe do a coupon business model? Like, people pay to send coupons to folks who are buying things in their target market.

You'll want to consider international users. I'm in France and, I'm sure, you're based Stateside. Will it work for a user such as me? I assume not... but if it will, tell the user, and give international dialing numbers.

I don't know anything about your website and you expect me to give you my phone number? No thanks. Is there a link to a demo that I missed, because that would help a lot.

Clickable : http://cheque-up.com