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Debtinator will help you start the new year off right with a custom plan to get out of debt based on your budget and your finances. Debtinator handles all of the details for you. Tell it your income, your expenses, your debts, and everything about them. Debtinator will tell you how to re-structure your money and pay them off as fast as possible.

The savings can be huge. Let's say you earn $52,000/year, and have a few expenses (rent, gas, food). And you have a credit card with a $5,000 balance, a 15% interest rate, and a required monthly payment of $200.

Pay only the minimum, and you'll be paying it off for the more...

What's New

Version 3.4.2:
  • Added overpayments column to the saved payment plan
  • Added ability to right click on certain transactions in the Ledger to create recurring events
  • Increased the font size of prints
  • Enabled graph printing
  • Greatly optimized performance on the Ledger pane
  • Fixed a bug that'd restrict certain transactions types under arcane circumstances
  • more...


Mac OS X 10.5 or later

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Debtinator User Discussion

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Elsamiro Member IconReview+8

Checking out different scenarios, and maximising paybacks is what i did with, and it works well. The Dev also responded to my support request, which was really helpful

Reply0 replies
Version 3.4.2
Surfspirit Member IconReview+442

I have tried tons of financial apps, read reviews, download demos, import data and tested, and while there's useful apps none of them, is as powerful and versatile as Debtinator!
- Actually is the only app that really makes advantage of financial calculations and simulations, and that's what I want a computer to do!
While the other apps look at your past expenses and tells you how much you waste in gas, or electricity, and that can be important of course, and in Debtinator you can input those budgets also but if you have a credit card, a house to pay, or with all this you want to have a vacation of 1000 euros or have to pay a medical bill, you just insert that data on Debtinator, and it will calculate how it can get payed, I mean, it will calculate the best way to pay it, without sacrificing the other budgets, of course if you have money, the best and "cheap" way would be to pay it all in the moment, but if that would the be the situation you would't need a financial app after all.

- It calculates correctly the interests in your debt cards, you can input Accounts Minimum Balance, Interest rates, Annual Maintenance fees, Overdraft APR, minimum payments, auto transfers etc, you can see your savings account grow with interest rates, and how you will have in x years, and so on.

- It calculates Several Scenarios, so you can see if interests grow above what you can pay, for how long you will pay etc, all the information banks don't really want You to KNOW!!

- It can map those events in the paydays, it can show you a graphical representation of your situation, and tell your if actually is possible or not to have those expenses with your income, You actually can learn better economics with this app.

- My only remark is that it should support other languages, it's only in English.

I strongly advice any one looking for a financial app to try Debtinator, just keep in mind that with this app you can really see your future scenarios, and that's what you can change, as the past is gone and done!

Reply0 replies
Version 3.3.9
Jsh Member IconComment+52

First step to getting out of debt - don't pay $28 for a program that says it'll help you get out of debt!

Reply2 replies
Version 3.2.2

Best advice ever.

Basset Software (Developer)

Look guys, I know it's cute and clever and all to say that the easiest way to get out of debt is not to spend any money on anything, but that's simpleminded and wholly inaccurate.

Where do you draw the line? You want to do the calculations on your own? Probably shouldn't spend money on a computer to help you with it. Or a calculator, for that matter. You can do the math with pencil and paper. Heck, why bother with that when you can just do it in your head, right?

Debtinator is a tool that does some pretty involved analysis to figure out its payment strategies. This isn't one of those simple apps where you try to guess that you can send an extra $20 to your credit card and then it plots it out for you and says "whee".

It actually looks at your whole financial picture for years to come and figures out when and where you can send extra cash. Doing it by hand would be virtually impossible.

Don't look at it as spending money - you're investing in a better tool, and the ROI you get in terms of interest saved is pretty substantial.

But heck, if you don't believe it, just try out the app and see. Fill in your info and see how its Highest Interest Plan compares to just the minimum fees. The savings are pretty impressive, you just gotta stick to the plan.

Gregm Member IconReview+215

I finally feel comfortable removing Debt_Minder from my mac (yes, it was still running on Leopard)

It does the job the way I want. The docs are in the help file. DM docs were on line *only* until the developer lost interest.

I did find one minor "oops" in the docs, which I will notify the developer of.

Reply0 replies
Version 3.0
Joi Member IconReview+30

This program looks like a real winner. I just simply wish it had video on its website similar to MoneyWell http://nothirst.com/moneywell/ which shows you exactly how to use the program.

Reply2 replies
Version 2.6.2

It only gets better, but I really wish it had some mac-like icons. For god sake, find some replacements. It makes the app look so dated. I tried to make some myself for you, but they didn't come out well. I also think the Debts, Income, and Expenses tabs should be updated to match the Accounts, Transfers, and Reports tabs. The same thing can be accomplished in a much cleaner interface than what is there now.

Basset Software (Developer)

I finally actually did get off of my butt and add in a pretty long and involved introduction/tutorial to the application. It shows off most of the features, how to do many things, and demonstrates the utility.

froobloop Member IconComment+5

While still busy figuring this app out after having bought it after only a few minutes, it seems very cleverly and expertly done.
That said, the one thing that worries me most as an international user is that it is very hard to figure out if your not perfectly fluent in banking English. There are no language localisations whatsoever.
I had a little issue with Debtinator, and the developer got to it within seconds. The problem was solved within minutes in a small software update. This is crazy. So, big props out to this awesome developer.
I also kind of like its documentation which was nicely written and quite easy to understand. A more detailed walk-through would be an appropriate complement to this application, though.
It's not very expensive, that's true, but it's got lots of power sleeping under the hood. It would be a waste if I should have to leave it sleeping there just because I didn't get all the details.

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Version 2.6
tcn33 Member IconReview+4

Downloaded this app and bought it after only ten minutes of testing. Initially had some odd results in reports, but a quick email to the developer resulted in a fix within hours. This app is going to save me $17,000 so it's well worth the $15 purchase price.

Reply0 replies
Version 2.5.5
Glenda Member IconReview+8

Debtinator's non-judgmental, light-hearted attitude is exactly what I need to be able to face my finances. But it doesn't stop there! The philosophy behind the program is very sound: pay down the debt with the highest interest rate first, then add the amount of that payment to the debt with the next highest rate, and so on. But if you don't want to do that, the program has many other ways to help you attack the debt monster. It is dead-simple to use but also has advanced features that I don't _need_ to use yet. Best of all, the developer is extraordinarily responsive and courteous! In my opinion, this is an elegant, powerful app that does exactly what it says it will do and does it well. $15 is chump change for this level of service and usability!

Reply0 replies
Version 2.5.5
ian3 Member IconComment+3

The best way to get out of debt is not to spend the money you don't have, multiple credit cards!!!

Reply2 replies
Version 2.5.1
Basset Software (Developer)

I try not to reply to comments like this, but every so often I feel like I must chime in.

First of all, there are two types of debt out there. There's the debt you acquire by being reckless and living beyond your means. Rack up your credit cards buying crap you can't afford and you'll be in trouble.

But there's also debt you acquire by living life. Buying a car? Probably need a car loan. A house? Almost definitely need a mortgage. College? Probably have student loans.

What happens if you have a disaster? Car wreck? Medical bills? Your son is born with a birth defect and requires extensive care and treatment?

Sure, everybody should have saved up thousands upon thousands of dollars to pay cash for their house and cover any medical bills that arise without issue, but here in the real world, that's not always the case.

Regardless, whether your debt is due to your own reckless spending or not, what's wrong with taking some responsibility for yourself and paying it down? Properly managing your money can save you tens of thousands of dollars in interest payments.

Of course, you'll need to keep yourself under control. If you keep running up your credit cards, you're going to be in trouble no matter what. But if you've stopped doing that and want to get things under control, it's not like the debt magically goes away once it's been created. Don't use your credit cards? That's great advice. Tell someone that has no debt. Once you've got it, though, it's extremely hard to get out.

But blanket statements like saying that people just shouldn't use their credit cards and their debt magically vanishes is juvenile and counter productive.

Props to you if you have no debt to manage and no money in interest payments to save. For the rest of us? Leave the software tools alone and let people get on with their lives.


Yes sorry, i agree with you fully in those situations, my comment was really directed to djc0 with his comment of "how long it will take me to pay down my multiple credit cards", housing and car loans etc. are a different "kettle of fish"

djc0 Member IconReview+4

This is a great program and does exactly what i want: project how long it will take me to pay down my multiple credit cards with different repayment plans and changing financial situation. I know it does a whole lot more, but for now thats enough for me. Seeing the "I'm free!" date and how much interest i've saved is a great motivator to stay on track and even put in a little more when i can.

I had a small problem and emailed the developer. He repsonded within the hour (and it was a public holiday!), and within the week had posted a new verson correcting the issue. That kind of service is worth the meager price alone! (Anyone who has ever gotten bad service knows this all too well!)

Highly recomended for those who want tighter control over their debt.

Reply0 replies
Version 2.2.7
user icon+0
Version 3.4.2
user icon+0
Version 3.4.2
> 4 13


Current Version (3.x)


Downloads 25,584
Version Downloads 2,286
Type Business / Finance
License Shareware
Date 10 Dec 2011
Platform Intel 64 / OS X / PPC 32 / Intel 32 / PPC 64
Price $19.99
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