Debtinator
Debtinator
3.4.9

4.0

HomeFinanceDebtinator
Debtinator free download for Mac

Debtinator3.4.9

07 March 2019

Helps you get out of debt.

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 Debtinator

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

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How would you rate Debtinator app?

19 Reviews of Debtinator

JSH56
13 January 2010
Version: 3.2.2

Most helpful

First step to getting out of debt - don't pay $28 for a program that says it'll help you get out of debt!
(10)
4.5
Elsamiro
12 June 2014
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
(2)
4.5
Surfspirit
29 July 2011
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!
(4)
JSH56
13 January 2010
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!
(10)
Show comments (2)
4
Gregm
04 May 2009
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.
(0)
5
Joi
12 October 2008
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.
(2)
Show comments (2)
Froobloop
30 September 2008
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.
(5)
5
Tcn33
24 August 2008
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.
(4)
Ian3
26 July 2008
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!!!
(1)
Show comments (2)
5
Djc0
13 September 2007
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.
(3)
5
Matthew-Bauer
15 August 2007
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!
(2)
Alex-B
23 June 2007
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.
(0)
fahlman
19 May 2007
Version: 2.1.3
I have a mortgage, car payment, car insurance, health insurance, life insurance, home insurance, etc and I'll second the first post. Prioritize your finances. Get rid of cable television, broadband internet, dinner out every other night, lunch at the nearest fast food joint every weekday, live in a reasonable house (which also has the side of lowering not only your mortgage but also the home insurance premium), drive a reasonable car (again not only does this reduce your loan payment, but reduces your car insurance also). People live way outside their means and then complain that they're poor. It's only their own fault.
(0)
Show comments (3)
5
Alex-B
15 May 2007
Version: 2.1.2
I just wanted to ammend my original review. I meant to set Ease of Use to 5, but set it to 3 by mistake since I set Features to 3. I should add that I chose 5 for Ease of User because all you had to do was create an entry on each pane (you could probably even leave some out) in the program and the last two panes (Reports and Graphs) would show you the results. Couldn't be simpler. My other ratings are self explanatory. The main rating is the average of 4.5 rounded up since I couldn't choose 4.5 as a rating. You can even export your payment schedule to iCal!
(0)
4
Alex-B
14 May 2007
Version: 2.1.2
Is planning a budget that works to help you get out of debt your main concern? Then look no further because Debtinator does exactly that and no more. I set up a budget for my brother and printed it out for him so he would know what to do and when. I input an income, mortgage, monthy bills, taxes, credit cards and set an allotment for extra cash that would most likely get spent throughout the week amongst a handful of other items to take into account. It said that he would still be paying off his mortgage in 50 years and to go back and try to make some changes. I added that I only wanted to pay a maximum on certain bills of double the minimum payment as well as a few other changes and the results were astonishing. He could be financially secure, out of debt and have cash in his savings account by 2013! Almost 5 1/2 years and he could be living well planning for his future! This seems to be the only program I found that can handle changes in interest rates at specific dates per account. It even tells you how much your monthly interest is. I have tried iBank, Cha-Ching, Jumsoft Money and a couple others. Though I don't like the interface much because of it's lack of mac appeal, it does everything it said it would and well. I was able to get a good outlook on my future as well with this and it really makes you feel like you can accomplish it. And $15 dollars? That is a VERY fair price. It seems like the developer really kept his user's in mind when he decided upon the price. If you can complain about spending $15 dollars to help set up a budget that can help you become financially stable, why hesitate? An accountant would do something very similar and charge much, much more (despite the fact that an accountant also helps you plan your retirement and so on). He was very generous when other programs of a similar nature cost more. That said, this program helped me out immensely and was exactly what I needed. The developer is also very responsive and takes your ideas into consideration. I sent him like 10 e-mails and he got back to me on all of them! Best bang for your buck. What Debtinator lacks is a interface and some features that other programs such as Cha-Ching and Jumsoft Money offer. But Debtinator is not a fully featured money management program and it makes no such claims, which is why it is at the TOP of it's class in this category. I can't stress enough how excited I was to see the results of using this program.
(0)
Show comment (1)
David-Asch
25 April 2007
Version: 2.1.0
If the software recognised that the dollar is not the only currency in the world, I may take a closer look!
(0)
Show comments (2)
Jimmyp
21 January 2007
Version: 2.0
I usually buy this type of software based upon what other users have said. Well, it is now $15 and how can I get out of debt by spending money as one reply mentioned. The replys I read were all negative, whether salted or not, so based upon these posts, I will not buy this product.
(0)
Show comments (2)
4.25
Revfc
26 April 2005
Version: 1.2.1
Easy to use, helps with scheduling you debt reduction with an actual plan that works, if you stick to it. For instance it showed that depending if I paid my highest interest rate credit card off first compared to paying off the lowest balance first that I would save about a year in paying off all my credit cards. Would like to see pie or bar charting (or both) that would give total interest paid to each card with different payoff methods. Also to show the actual and declining balances in graph form.
(0)
Anonymous
15 June 2004
Version: 1.1.1
Here's an easy to way to get out of debt: 1. Cancel your credit cards except for one with a low interest rate. You may need it for a tow-truck, medical bill or the next version of XBOX. 2. Pay cash for everything (or use bank debit cards, check cards), if you can't afford it - you don't need it. That's about it.
(0)
Show comments (2)
Anonymous
07 June 2004
Version: 1.0.1
If this product really works, why you have to use it forever?
(0)
Show comments (4)
$19.99Buy Now

4.0

App requirements: 
  • Intel 64
  • OS X 10.10.0 or later

Downloaded & Installed 26,233 times

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