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Debtinator
Debtinator
4.5
Debtinator free download for Mac

Debtinator

Version 3.4.9

Helps you get out of debt.

Debtinator overview

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 next 2 1/2 years and spend $862.07 in interest! Or, you can punch it all into Debtinator, and be debt-free in 3 months, and only spend $92.32. You just saved $769.75! That $15.00 registration fee is looking better all the time, isn't it?

Debtinator doesn't judge, it doesn't care about your lifestyle, it doesn't tell you where to put your money. A lot of debt repayment schemes want you to make sacrifices. "If you just spend $25 less per month on dinner, you'll save thousands in interest!" Sure, that's awesome! If you want to do that, please do. It will definitely help.

But Debtinator doesn't require you to do that. All it cares about is how much money you have coming in, and how much money you have going out. You tell it where you want it to go, and then Debtinator takes care of it for you. Then, once your bills are paid, it re-shuffles all the excess money you have and uses that to pay down your bills.

Say your monthly income is $2,500. Rent is $500. You budget $300 for food. Household expenses (electricity, water, gas) are another $200. Car expenses (maintenance, gas) are another $150. Entertainment (movies, clothes, dinner) is another $100. And that credit card up there has a $200/month minimum. That's $1,450 you need to get by (including fun things!). But you're bringing in $2,500, so you have $1,050 unaccounted for.

It's amazing how quick that extra money can disappear. Go out to eat a few more times, buy a few more DVDs, and it's gone. Yeah, even that extra $1,050 that you don't need. You probably didn't even notice you had it or when it's gone. That's bad. Debtinator keeps track of it for you. It uses that extra money and re-allocates it as desired to pay down your debts lickety split.

What’s new in version 3.4.9

Updated on Mar 07 2019

Version 3.4.9:
  • High sierra compatibility
  • Re-enabled missing printing authorization

Information

License

Shareware

Size

4.6 MB

Downloads

26282

App requirements

  • Intel 64
  • OS X 10.10.0 or later
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0.0
(0 Reviews of )
There are no reviews yet
Elsamiro
Elsamiro
Jun 12 2014
3.4.2
4.5
Jun 12 2014
4.5
Version: 3.4.2
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
Surfspirit
Surfspirit
Jul 29 2011
3.3.9
4.5
Jul 29 2011
4.5
Version: 3.3.9
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!
JSH56
JSH56
Jan 13 2010
3.2.2
0.0
Jan 13 2010
0.0
Version: 3.2.2
First step to getting out of debt - don't pay $28 for a program that says it'll help you get out of debt!
Gregm
Gregm
May 4 2009
3.0
4.0
May 4 2009
4.0
Version: 3.0
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.
Joi
Joi
Oct 12 2008
2.6.2
5.0
Oct 12 2008
5.0
Version: 2.6.2
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.
Froobloop
Froobloop
Sep 30 2008
2.6
0.0
Sep 30 2008
0.0
Version: 2.6
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.
Tcn33
Tcn33
Aug 24 2008
2.5.5
5.0
Aug 24 2008
5.0
Version: 2.5.5
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.
Ian3
Ian3
Jul 26 2008
2.5.1
0.0
Jul 26 2008
0.0
Version: 2.5.1
The best way to get out of debt is not to spend the money you don't have, multiple credit cards!!!
Djc0
Djc0
Sep 13 2007
2.2.7
5.0
Sep 13 2007
5.0
Version: 2.2.7
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.
Matthew-Bauer
Matthew-Bauer
Aug 15 2007
2.2.4
5.0
Aug 15 2007
5.0
Version: 2.2.4
What a great little program. It is exactly what I have been looking for. All you do is type in everything from your income, your monthly expenses, and your debts and bam! The hardest part is being honest with yourself. Very useful!
Alex-B
Alex-B
Jun 23 2007
2.1.6
5.0
Jun 23 2007
5.0
Version: 2.1.6
You probably spend $15 a day on breakfast and lunch anyway. I guess cheapskates don't need financial help anyway since they don't spend money to begin with.
Erichd
Erichd
Jun 6 2007
2.1.4
0.0
Jun 6 2007
0.0
Version: 2.1.4
This is great software! Truly a great indication of how innovative Mac Devs really are! Honestly, I'm surprised Dave Ramsey hasn't bought it out, put some dietary tips in, and branded it under his name!
Jim-t-3
Jim-t-3
Jun 5 2007
2.1.4
0.0
Jun 5 2007
0.0
Version: 2.1.4
There's a little bit of confusion about the registration numbers - you have to type in your name into Debtinator the same way you typed it in when you registered (firstname, lastname), or it won't accept it. Unfortunately, macupdate doesn't appear to include that name when it sends out the email. If anybody has any problems with their numbers, please contact me (links provided in software and on bassetsoftware.com) and I'll help out supplying the appropriate name.
Opbarnes
Opbarnes
Jun 5 2007
2.1.4
0.0
Jun 5 2007
0.0
Version: 2.1.4
I bought this and got the serial number for registration, but when I enter it as the registration into the program, it doesn't work.
Alex-B
Alex-B
Jun 5 2007
2.1.4
5.0
Jun 5 2007
5.0
Version: 2.1.4
It just gets better and yout can't beat the price, even without the discount it's extremely less expensive than other apps (*cough* Cha-Ching *cough*) and really does work. Buy it, you won't be dissapointed.
Plexihosting
Plexihosting
Jun 5 2007
2.1.4
0.0
Jun 5 2007
0.0
Version: 2.1.4
I've seen this pop up and am tempted each time... maybe this time...
iGaucho
iGaucho
Jun 5 2007
2.1.4
0.0
Jun 5 2007
0.0
Version: 2.1.4
I can't wait to try this out. Just what I needed!
Jagc
Jagc
Jun 5 2007
2.1.4
0.0
Jun 5 2007
0.0
Version: 2.1.4
Cheap and functional. Need I say more?
Tazpizzazz
Tazpizzazz
Jun 5 2007
2.1.4
0.0
Jun 5 2007
0.0
Version: 2.1.4
i'll bet this is just the kind of tool the credit companies would prefer we don't have in our pockets. Oh, the losses they would sustain! Let's show those greedy dudes that we can keep our own money, thank you very much! Great little tool, great to see your money work for you (instead of 'them').
Vjl
Vjl
Jun 5 2007
2.1.4
0.0
Jun 5 2007
0.0
Version: 2.1.4
This sounds like a really cool, and easy to use app! I think I'll give it a try today. Certainly can't beat the price, even full price. Won't put you much further in debt. :)
How would you rate Debtinator?
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