We've got the tools, you've got the talent
Times are tight. The economy is rough. People are worried. It's not a good time to have debt. It's an even worse time to acquire more.
Debtinator is here to help. We want you to pay off your debts as fast as possible. We're not going to preach about the "right way" to do it. We can tell you what works for us, but beyond that we just want to help you figure out what works for you. Analyze your situation in as much detail as you want to work with, and go with that. Revise it as desired. Tweak it as necessary. There is no One Plan. There's only adapting and changing and adjusting.
We almost feel silly making claims like "only spending $27.95 can save you hundreds or thousands of dollars in interest", but we're not lying. There's no scam or trick or anything here. This is just a lot of complicated mathematics to describe your financial situation so you can make better decisions.
Get out of debt your own way
Most debt management schemes are like going on a diet - some expert tells you to scrimp and sacrifice and change your life for the greater good. And it's a recipe for failure. The guru doesn't know what works for you. You do.
Don't get us wrong - if you want to never go out to dinner and never go to a movie and never buy another video game, then that's awesome! It'll really help pay down your debts. But if you're like us, you not only want to have a debt free future, you want to live a life while you get there.
Instead, Debtinator lets you analyze your situation and move your money around as you want to. Maybe spending $50/month eating out will make all the difference and get you out of debt years earlier. Or maybe it'll only add on 3 weeks 'til you're debt free and you get to enjoy yourself along the way.
With Debtinator, you can stop guessing and actually analyze your situation to figure out what works the best. If it's better to save more, then do it. If you want to spend more, then do it. But you have the tools to see what works for you.
Look forwards! Not backwards!
Most financial applications only pay attention to what you've done in the past. Sure, there's lots of fancy graphing and budgeting and reporting, but it only tells you where you've been - not where you're going.
You don't drive down the highway looking in your rearview mirror.
Debtinator helps you keep track of everything you've done, but it also helps you plan for the future. You tell it where your money is coming from, and what you need to spend it on. It'll analyze your situation and come up with a plan that suits you best.
Better tracking yields better results
Debtinator watches every cent you have. Every dollar you earn and every nickel you spend filter through the system and it tracks it all for you.
How closely do you really watch your money? If lunch costs you $8.61 and you pay with a ten dollar bill, do you remember what happens to your change? At the end of the month, have you ever found an extra $20 sitting in your jacket and blown it on a pizza? Or you happen across an extra $100 in the bank and get a few DVDs?
There's no free money
It's human nature to treat that as free money and blow it. But it's your money that you should be putting to better use. Debtinator finds that money before you do and pays down your debts before you even notice it and start to salivate.
And since you've already set up budgets to pay for lunch and pizza and video games, you'll never even know it's gone. You'll have your fun and you'll still save money. It's the best of both worlds.