Debtinator 4+

Fantastic debt repayment planning software, very easy to use, even if you don't take the time to watch the basic introductory videos. Very flexible, with the ability to customise most aspects of your debt. Scenarios for repayments are comprehensive, and can be very accurate if you have a good idea of your spending habits. Payment plans are largely customisable, and can be saved for future reference or updated as required.

Have seen some say that it isn't a 'pretty' program, but it is effective. Colour coding makes it easy to see certain data at a glance (which items are overdrawn, archived, magnitude of debt remaining, etc.). There are some issues with being unable to see certain parts of the window after resizing, but these are relatively minor, and easily resolved.

Only real negative for me was that the data entry was a bit clunky. You have to physically select and change the drop-down menus in most cases, which can be frustrating if you want to do things quickly, especially in the ledger.

On the whole, good bang for your buck, highly recommended if you are serious about finding the best way to pay off your debts. An excellent alternative to more expensive programs, and more powerful planning than spreadsheets.

Possible Improvements
> Option to have budgets is excellent, but could benefit from having umbrella budgets that can span multiple accounts.
> Being able to 'tab' through all input options (including drop-down menus) in Ledger view would allow for more streamlined & user-friendly data entry. Being able to enter positive/negative values to denote withdrawals/deposits without having to specify in drop down menu would also assist this experience.
> Being able to run forecasts for saving as well as debts would be of great benefit, especially with regard to future planning (i.e. saving for mortgage deposit).
> Option to 'skip' scheduled expenses in a particular period, without them popping up again upon opening file if you delete them.
> Being able to specify a date you want the simulation to run *from*, as well as when you want it to end, would be helpful, in particular where ledger contains high volumes of past transactions on unarchived expenses.
> Consider the option to reconcile transactions to individual deposits/income. This is already in place to a certain extent (ability to link expense payments to closest pay-day), but could be more comprehensive.
> Introduction of importing/copy+paste from .xls or similar could be an excellent time-saving measure.

What a great app, tells me down to the cent how much I need to pay each week to get out of debt quicker. It takes into account all your expenses and income. Relly happy to see the result and how quickly we can get out of debt. My one and only small complaint is they don't have the fortnight option without a little bit of fiddling. While you can do it, it should be one of the options. I realise this is an American company and they don't use that term, but it would be great to have that as an option. Would speed up entering all the information you need to. Anyway, thanks. (Fortnight = 2 Weeks)

Although it takes a little while to setup, once done this is fantastic, Not only are my debts being paid down, but I can also run different scenarios allowing me to save up for the new laptop or holiday month's or a year in advance. Thanks!