In reply to Postmanpat:
It sounds to me like you have nor set up Photos to work with iCloud on one or both of your devices.
Also, iPhoto has been replaced by Photos in the latest OS X Yosemite updates. I wonder if that is the problem? What version of OS X are you using?
On the issue of the contents of your iCloud account, if you follow my instructions you should be able to see exactly what is taking up how much space.
On the Mac, System Preferences > iCloud. At the bottom of the iCloud window in System Preferences, you will see how much of your iCloud storage is being used and how much is free.
Click Manage to see see how much space each item, like your Photos library, is using.
For example:
Photo Library: x GB
Mail: y GB
Backups: z GB
etc
Select Backups on the left. In the right hand pane you will see the devices that have been backed up to iCloud. Select and delete any that you no longer use.
If you want to see what is stored locally on your phone:
Settings > General > Manage Storage. Wait for the screen to populate with your Apps and you will see how much space is being taken up by which App.