KEVIN HOCTOR  The calculations in Debt Quencher can certainly be duplicated in a product like Excel if you are comfortable with worksheets and formulas. In fact, I prototyped much of it with Excel.

But Debt Quencher was designed to make it easy for anyone to analyze their debt with zero effort. Even though I have made worksheets to track my debt, I prefer to use Debt Quencher. Hundreds of customers seem to agree that it's worth $15 to avoid messing with a spreadsheet.  
(Version 1.1)

PDXMPH  Regarding saving or not saving data, the developer says "if you like the program, you can purchase it and install a license without ever losing your entered data."

This is financial software. There is no way I'd ever commit to buying or using anything having to do with my money until it went through a few pay/bill cycles. Microsoft offers 45 or 60 days of full functionality with the download trial of Money (last I looked) because it understands that people who are considering a purchase will need time to make sure it does what they need, and works as advertised. Especially in a market space that includes Quicken.

It's not reasonable to expect someone to purchase financial software, or anything that involves interaction over a period of time as part of its core function, on the basis of a single session. That might work for IM clients, RSS readers or other somewhat straightforward apps, but it doesn't make a lot of sense for a financial app.

I was interested in this, but can't countenance buying anything that gives me no way to revisit it in a week or two without requiring a bunch more data re-entry.

Not saying to snark or anything ... just saying that I think a 30 day trial period with full functionality makes a lot more sense. I'd be a lot more likely to give it a spin.   
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KEVIN HOCTOR  Debt Quencher is not a full financial package like Microsoft Money. If you want to try our other product, MoneyWell, then you can compare the two products. MoneyWell has a limit of 200 transactions instead of a save limitation.

Debt Quencher only requires that you enter three numbers for each credit card as a trial. You can see immediately how it works and how it will save you money.

Both Debt Quencher and MoneyWell are offered with a 60-day money back guarantee (no hassle), so if you feel the need to try either out for a long period of time with no limitations, please use this return policy.  
(Version 1.2.1)