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It does have an iphone optimized interface but it's in need of work.
you can play around here: http://www.phosney.com and the sources are here: http://github.com/ishmael/phosney_web/
While not all people use excel of this, one question you should ask is if most of your target audience will consider switching from their own excel or hand drawn accounting or what have you to your app.
As for your questions
1) best features I would love to have in an app like this are: - ability to see detailed monthly income info (estimated vs actual to see if i'm on track) - ability to see how much money i'm saving or have saved up for the past n days (eg. 1 year) (estimated vs actual to see if i'm on track) - ability to see how much money i'm spending from checking accounts and credit accounts - ability to see how much i'm spending on certain categories that are relevant to me (food,entertainment,travel,utilities,etc) - ability to enter all my data manually (not using something like the mint model) - very nice summaries with charts of daily, weekly, monthly income, expenses, credit card purchases/payments/expenses.
also for people who like to enter all their data manually, how about an reminder option every 1 or 2 weeks reminding them to update their info?
2) Not sure what single-entry/double-entry means nor do I care about GAAP. Leave out the typical financial terms. I just want data to be easy to input, easy to see and easy to draw conclusions from.
3) Not sure. Some nice summary tables and charts.
4) To deal with data security easier, one idea would be to simply not store identifiable account information (eg. don't store account numbers). And don't make users enter their personal info like full names and addresses etc.
5) Web browser based access is best in my opinion. I rarely do finances on my phone because I need to look at as much of the data as possible (in my case excel)
I think your idea is good. I have been using an excel spreadsheet for keeping track of income, expenses and credit card accounts. I've been thinking about turning it into a web application but I don't have the time. While not all people use excel of this, one question you should ask is if most of your target audience will consider switching from their own excel or hand drawn accounting or what have you to your app. A…