Immediately Useful

There are a couple pieces of information that this program NEEDS that tend to pull ones head out of the sand: 1. The CURRENT BALANCE (on each card), and 2. The APR for each card; the banks tend to bury that piece of information in order to lull you into making minimum payments.

After this basic data entry, the applications shows the length of time it will take to eliminate the TOTAL DEBT, and suggests a "BEST" STRATEGY for saving money or hassle (it may make more sense to eliminate LOWEST BALANCES first so that there are fewer bills to worry about and no chance of a late payment - it depends on your particular situation). Also, "what if" scenarios are easy to run, and usually the effects of paying an additional $10, $20, etc. beyond the MINIMUM payment are quite dramatic.

Id rather have a simpler, less expensive application than one that does pie charts and/or graphs; its easy enough to understand the total number of payments required and the month and year that youll be DONE.

henrythetechnophile about Debt Quencher