• v2.4.2 12/15/2007
• Added ability to advance account balances by final account balance, not just events (in General Preferences)
• iCal calendars now export as UTF8, text exports can choose between UTF8 and ascii
• Ensured revolving accounts can't escrow funds
• Fixed an edge case that could cause total interest paid not to accumulate
• Fixed a bug that could unnecessarily delete the report cache
• v2.4.1 12/09/2007
• Added ability to pay expenses by charging to debts
• v2.4.0 12/01/2007
• Added prompt to update bank account balances with events that have occurred since last launch
• Fixed an obscure reporting crash condition
• Fixed the occasional, annoying, generic, useless "Document could not be saved" error
• Improved re-assignment of minimum fee/rate start dates when debt due dates move into the past
• Internal infrastructure upgrades
• v2.3.6 11/17/2007
• Added option to color code report rows
• Added further constraints to ensure there's always at least one active rate
• v2.3.5 11/12/2007
• Fixed the bug with date repetition and dates at the end of the month
• Added Leopard style big icons
• v2.3.4 11/03/2007
• Added preferences window to specify further options
• Major internal infrastructure improvements
• Fixed a Leopard bug that would prevent new records from automatically having start dates
• Hacked around a horrible data corruption bug that exists in Leopard.
• v2.3.3 10/28/2007
• Added ability to flag debts as revolving accounts (Complex view -> advanced options)
• Added report columns to list available credit
• Now catches and reports when a debt's minimum fee cannot cover its escrow amount
• Fixed a bug that could cause debts with escrow to overpay past $0
• v2.3.2 10/21/2007
• Better validation to ensure the start date is synchronized with repeat rules
• Incorporated automatic updates
• Fixed another edge case crash condition for reports
• v2.3.1 10/14/2007
• Added comments field for debts (on the complex view)
• Fixed a crash in the Balance over time graph
• Fixed a rounding error that could cause report looping
• Minor reporting optimizations
• v2.3.0 10/07/2007
• Added ability for debts to include escrow information
• Added option to restore default report columns
• v2.2.9 09/30/2007
• Added explicit support for minimum payments to be calculated based off of interest accrued
• Added option to de-localize currency to fix Apple's bindings bug
• v2.2.8 09/22/2007
• Added end date option for graphs
• Added "Pay off out of order, when possible" option to reports
• Documents now remember last graph & report run
• Fixed a problem with out-of-date cached reports for unregistered users
• v2.2.7 09/09/2007
• Fixed a bug that could cause saves to fail when using non repeating debts
• Fixed a bug that would draw too wide a date range on graph labels
• Fixed a bug that could cause a hang if an event repeated on the 1st and 30th of the 2 consecutive 31 day months
• v2.2.6 09/02/2007
• Added ability to transfer all available funds
• Fixed a drawing bug with area graphs containing a debt that started at $0.
• Fixed a couple of crashing bugs with certain cases of data
• v2.2.5 08/18/2007
• Minor interface modifications
• Added bank account balance over time graph
• Minor internal optimizations
• Fixed an obscure bug that would cause incorrect display of area graphs with a debt that started at Zero dollars
• Fixed an ancient bug with ordering of line items
• v2.2.4 08/11/2007
• Added repeat options for seasonal income or expenses. For example, you may work a summer job and have extra income only in June, July, and August; or your heating bill may go up in the winter.
• All report column view options (including order!) are now stored in individual data files
• Added DOLP reports
• Fixed a new bug from 2.2.3 that could cause debts with non-custom repeat rules to improperly repeat
• v2.2.3 08/04/2007
• Added "Default Bank Account" for all new documents
• Added Total Available Funds and Net Worth report columns
• Minor internal optimizations
• Now enforces that non-repeating debts must be paid off in full
• Fixed an inconsistency error that could occur when deleting a Line Item
• Fixed a bug that could cause accumulation of junk, inaccessible data in the data file
• v2.2.2 07/28/2007
• Automatically fills in Rate/Minimum payment end dates as additional ones are added
• Implemented a greedier algorithm so reports now take into account dates of rate changes
• Ensured that errors aren't reported multiple times
• Fixed a glitch that could cause files on the complex debt screen to open with a squished size
• v2.2.1 07/21/2007
• Added Typical minimums display to the debts pane
• Added typical monthly free cash to the income pane
• Added Highest et al. Possible Payment Plans
• Reports more user data errors earlier
• Removed the maximum payment option from the simple view (it's still available in the complex view. See the FAQ in the help for more explanation on maximum payments)
• Fixed a bug that could cause a crash when closing at the graphs window
• v2.2.0 07/14/2007
• Changed language from "Paid off Debt" to "Debt paid off" to enable better grouping in sorting
• Added in overpayment columns to the reports
• Added in account balance columns to the reports
• v2.1.9 07/07/2007
• Fixed a few bugs in the window size saving routines
• Now opens a doc to the last used tab
• Fixed a bug that could erroneously cause the app to report a file couldn't be found
• Added option to always use the complex view or to toggle to the simple view when possible
• v2.1.8 07/04/2007
• Now will always open a new document if no previous document is found
• Fixed a glitch in the display of typical monthly income/expenses (reports were unaffected)
• Fixed a glitch that could cause crashes if a debt had too many line items under extremely particular conditions
• Now saves window sizes
• v2.1.7 06/23/2007
• Multiple concurrent sets of data are now supported
• v2.1.6 06/16/2007
• Added additional pie charts to display cash outflow
• If a maximum payment < the minimum, it will now decrease the payment to the minimum
• v2.1.5 06/10/2007
• New, more powerful date editor Show it to me
• Fixed a bug that could cause dates to drift from the end of the month
• Fixed a bug that could cause longterm drift in values repeating on the xth weekday of the month
• v2.1.4 05/26/2007
• Added a few more missing localizations
• Fixed a condition that could cause a debt to overpay past $0
• v2.1.3 05/19/2007
• Added cash on hand report type
• Major interface improvements - new icons, better consistency, clearer options
• Fixed a bug that would keep newly added debts from displaying in reports
• Fixed a couple of missing currency localizations
• Made sure the "Total Debts" display is properly localized
• Changed to a palette with (hopefully) more distinct colors
• Graphs now live resize with the window
• Internally, graphs are now more memory efficient, which should improve overall graph performance
• Fixed a crash when running graphs w/o data
• Fixed a bug that could withhold too much money in the bank, sometimes causing an incorrect report that you ran out of money
• v2.1.2 05/05/2007
• Date values are now localized
• Added ability to export to iCal
• APR percentages are now rounded to 3 decimal places instead of 2
• Fixed a data-corrupting crash that could occur if debts had no monthly fee or apr specified
• Improved error reporting if errors occur on the complex debt screen
• v2.1.1 04/28/2007
• Added greater customization over which rows to display in reports
• Reports now state at the bottom total interest paid and date out of debt
• Graphs now explicitly state if there's a failure
• Fixed an error preventing saves on the transfers screen
• Currency values are now localized
• The first account is now the default account used for Income, Expenses, and Debts
• Minor bug fixes in the documentation
• v2.1.0 04/20/2007
• Added Interest vs Principal graph
• Added area graph breakdown when graphing one payment plan
• Added additional report columns - payment towards principal, total towards principal, total payments
• Corrected an overcalculation in total interest paid
• Minor interface modifications
• v2.0.9 04/14/2007
• Added the ability to customize which reports to graph
• Added "Include all" and "Include none" options to the reports screen customization
• Added bi-annual and 3x per year compounding
• Internal infrastructure upgrades
• v2.0.8 04/07/2007
• Added "best bet" output to the graph screen
• Added the ability to customize which report columns to display
• v2.0.7 03/31/2007
• Added bimonthly compounding
• Added even split report
• Can now copy out report rows
• v2.0.6 03/24/2007
• Major internal infrastructure upgrades
• Added report caching
• Minor UI tweaks
• Fixed some oddball crash conditions
• v2.0.5 03/03/2007
• Added quarterly compounding
• Minor UI tweaks
• Fixed some oddball crash conditions
• v2.0.4 02/24/2007
• Added additional pie chart widgets on the expenses and income screens
• Added the stacked bar chart on the reporting screen
• Will now automatically fill in an account if only one exists
• Improved memory efficiency
• Fixed some oddball crash conditions
• v2.0.3 02/17/2007
• Added max/min minimum payments report
• Added the "percentage of total debts" display
• Cleaned up the transfers interface
• Explicitly enforces name uniqueness
• Fixed a crash that could occur when navigating away from the graph screen while processing
• v2.0.2 02/03/2007
• Fixed a condition that could cause a report to incorrectly state you had run out of money
• Fixed a condition that could cause a program crash when using interest bearing accounts
• v2.0.1 01/29/2007
• Clarified the wording on the complex minimum payments screen
• Fixed an obscure crash when deleting minimum payment information
• Explicitly prompts the user before canceling reports by shifting screens
• Cancels graphing faster
• Better protects internal data state from unexpected termination
• v2.0.0 01/21/2007
• Complete overhaul.

Debtinator v2 is a complete overhaul of the older code, introducing may useful new features.

• Brand new, more intuitive interface. An easier interface means less time figuring out the program, and more time paying off your debts.
• More reporting options. Choose your own payment schedule. Pay the highest interest rate first. Or the lowest, and see how they compare. Pay the debt with the highest fees, or only the minimums, or take it all into your own hands and choose your own strategy.
• Printing. Keep a hard copy of those payment schedules you've created and check things off as you complete them, in a nicely formatted report. Show me how.
• Multiple accounts. Now you can deposit your paycheck into a checking account, and automatically continue your savings by transferring a set amount of funds to a different, higher interest rate account.
• Interest bearing accounts. You've got a savings account, and you're going to earn money from it. Debtinator now keeps track of that for you.
• More accurate reporting. Debtinator used to assume that all events happened on the same day, the first of the month. But, of course, reality doesn't reflect that. You may have bills to pay on the first, but you don't get paid until the third. Now you can more accurately report on that.
It's tougher to run out of money. Debtinator is smart enough to plan for the future. If you have extra money now, but are going to have a big bill to pay for 3 years from now, the program will re-arrange to make sure you can pay it, if at all possible.
• More debt options. Banks are sneaky. Credit card companies are sneaky. There are all sorts of hooks and gizmos and tricks that they employ. Sure, that 0.00% introductory interest rate is great now, but in 6 months it runs out and you're up to 21.99%. Then what? Or, you charged up $5,000 at your normal 15% interest rate, but have another $5,000 that was a balance transfer at 3.99%. Your payments are applied towards the 3.99% first, then the 15% when it's paid off. Debtinator lets you store all of that easily with more complicated debts. Show me how.
• Graphing. Now you can visualize your debts over time and compare payment plans. You can more easily see how paying over the minimum will save you money. Show me how.

• v1.2.1 07/02/2004
• Minor bug fixes in the registration routine
• v1.2.0 06/29/2004
• Added the ability to re-order accounts and budgets
• Added user defineable payment order
• Accounts may now be re-opened with new activity
• Added variable interest rate support
• Even Funds report now calculates properly
• "Fixed Amounts" is now "Income & Expenses"
• Gives an error if you try to run the minimum only report with an account that has no minimum payment.
• v1.1.1 06/15/2004
• Fixed a bug that could cause an error saying your budget wouldn't cover your minimum payments of $0.00
• v1.1.0 06/12/2004
• Added support for variable rate sub-balances
• More color coding
• Now remembers window size and position
• Minor calculation and bug fixes
• v1.0.1 06/06/2004
• Fixed an intermediate crash with improper storage files
• v1.0.0 06/05/2004
• Initial release

Debtinator requires MacOS X Tiger or higher, and is a universal binary.