Great idea and it is also scalable. Maybe to expand the platform, you should add push notification via email to let them know when the bills are coming out especially for reoccurring bills. This will help make the app a lot more useful! Since this is one of the problems I tend to experience. Also for future development, you could create a script to suggest how to reduce costs in areas that affect users from saving money. Create a section called 'Savings commitment' to find ways to cleanup unnecessary cost. Use the m.o.s.c.o.w method to prioritise expenses . I love the idea since not many people use or can afford excel spreadsheet. Also the fact that it is intuitive and easy to use is even better. I will share this application with my community on GeekPoll.com :) and do a video review on it!