DebtCalc Debt Elimination Planner Home Edition is an easy to use software package that allows you to quickly input your current debts and generate a payment plan that can save you thousands in interest and years off the time to become debt free.

DebtCalc Debt Elimination Planner Review

DebtCalc Debt Elimination Planner Home Edition is an easy to use software package that allows you to quickly input your current debts and generate a payment plan that can save you thousands in interest and years off the time to become debt free.

Quickly add any number of debts. Whether you have two or ten debts (or even 100 for that matter), DebtCalc can handle it. The Debt Elimination Planner allows you to enter all manner of debts including loans, mortgages, credit cards and lines of credit.

Not sure how bad it is right now? No problem! Enter your debts and the very next tab shows you how long it will take to become debt free and just how much it would cost you making your current or minimum payments. This can be scary but don't get discouraged!

Don't understand the jargon, just want an answer? No problem! The default plan is our recommended plan that shows you how to save the most time and money. After you enter your debts, just click the Proposed Plan tab and you will immediately have your answer. No waiting, no fiddling with options.

Want more flexibility? No problem! DebtCalc allows you to prioritize your debt payoffs in 12 different ways. It also includes the capability to do Consolidation Loan and Fixed Term schedules.

Want a clear to follow plan that you can refer to at any time? No problem! Print off the Proposed Plan Schedule of Payments report and you will have an exact list, month by month, debt by debt of the payments you will need to make to achieve your goal of saving money and become debt free faster.

Want to see the effect of a little extra money each month? No problem! You can add this to the Surplus Cash field and instantly see how this will impact your debt reduction schedule.

Periodically have extra cash available? No problem. The Extra Payments tab allows you do add extra payments during the term of the schedule such as annual Christmas bonuses.

Need non-standard amortization schedules? The Amortization Schedules Plus! feature allows you to add any number of extra payments to a schedule, skip payments plus add weekly, monthly or yearly lump sums starting in any year. No longer are you restricted to static tables that generate a schedule that offers no flexibility.

Like to play "what if" with your mortgage or loan? Amortization Schedules Plus! is the ultimate tool for this. You can change any parameter affecting your loan including payment amounts and frequencies, interest rates and compounding methods as well as payment types including interest only loans.

Features

• Debt Elimination Planner
  The Debt Elimination Planner is the core feature of DebtCalc. It allows you to quickly input your current debts and generate a payment plan that can save you thousands in interest and years off the time to become debt free.

• Amortization Schedules Plus!
  This is the award winning tool that is included with QuikCalc Amortization Plus! Edition. With this tool you can see the affect of any number of extra payments on your mortgage or loan at any time and individually override any payment amount. You can also add lump sum payments starting in any year at almost any interval and immediately see the effect of different payment frequencies and interest rates on your overall interest costs and loan retirement time.

• Solve for Missing Number Calculator
  The Solve for Missing Number calculator allows you to enter your known values and solve for the missing payment amount, loan amount, interest rate or amortization period.

• Amortization Tables
  Quickly create not just loan payment tables but five different grid configurations allow you to quickly see at a glance the impact of loan amounts, interest rates and payment amounts.

• Financial Calculators
  We've included dozens of powerful financial calculators to help you solve most common financial calculations.

• Detailed Reports
  Detailed reports are available that will allow you to see on paper varying levels of detail on your plans, schedules or tables stored in the system.

Screenshots

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More Details on Debt Calc

Just a few more of the key features:

	Save any number of plans for future reference and make copies of these plans to quickly create variations to compare.
	Analyze any number of debts either individually or as a group.
	Instantly see your current situation after entering your debts. See how much it will cost you and how long it will take to become debt free if you continue to make your current or minimum payments.
	Add any number of extra lump-sums to your debt reduction plan.
	Add an extra amount monthly to see the impact on your debt reduction schedule.
	Create consolidation loan schedules including associated fees.
	Generate summary reports or complete schedules of payments indicating exactly how much to pay on each debt monthly.
	Amortization features are compatible with US & Canadian mortgages, U.S. Rule (Simple Interest) loans, car loans, business loans, debt-consolidation loans, student loans and more.
	Flexible Planning with Amortization Schedules Plus! Allows you to see the effect of adding, skipping or changing any payment. Includes weekly, monthly and annual lump-sum payments starting in any year.
	See the effect of skipping, changing or adding any number of payments
	See the effect of negative amortization
	Solve for missing number calculator allows you to enter your known values and solve for the payment amount, loan amount, interest rate or amortization period.
	Dynamic Amortization Tables including five different grid configurations allowing you to solve for most missing variables.
	Dozens of Easy to Use Calculators
	Detailed Reports.
	Save your plans, tables and schedules for future use
	Create schedules directly from the Solve for Missing Number calculator

 

Get Out of Debt Faster and Cheaper with the Debt Elimination Planner

This is the core of Debtcalc. Quickly add any number of debts to a plan and then just click on the Proposed Plan tab to immediately see the impact of following DebtCalc's recommended plan. But it doesn't end there. There is so much power built into this program that you can customize your plan in over one dozen different ways, see what impact a consolidation loan might have or what you would need to pay monthly to retire all of your debts within a certain amount of time. You can see the impact of an extra amount each month or periodic payments over the life time of the plan (Christmas bonuses for example). Then when you are ready, select a report to see the exact schedule you need to follow to save money and get out of debt quicker. Click here for a screen shot!

Flexible Planning with Amortization Schedules Plus!

With this powerful tool you can see the affect of any number of extra payments at any time and individually override any payment amount. You can also add lump sum payments starting in any year and immediately see the affect of different payment frequencies and interest rates on your overall interest costs and loan retirement time.

	Create and save any number of amortization schedules.
	Allows you to set the loan amount, interest rate, payment frequency (including accelerated payments) and interest compounding frequency.
	Includes principal/interest breakdowns along with running totals of interest paid and principal owing.
	Change any scheduled payment amount
	Add any number of extra payments
	Allows annual, monthly or weekly lump-sum payments starting in any year
	Allows you to print your schedule in 5 different formats and specify a date range for the years to print.
	Different compounding methods include U.S. Rule (Simple Interest) and Canadian mortgages
	Specify a start date for the schedule or use generic time references
	Allows any of 14 different Day Count Conventions including 30/360 and Actual/Actual.
	Before and After display shows the effect of the latest changes.
	Undo and Redo buttons allow you to go back and forth through your calculation changes.
	New Compare button allows you to compare the existing schedule with another saved schedule.
	Create schedules for various different payment types including interest only and fixed principal + interest.
	Reports can be printed for different date ranges using specific from and to dates.
	Annual reports can be summarized based upon any fiscal year end.
	Click here for a screen shot!

Solve for Missing Number Calculator

The Solve for Missing Number calculator allows you to enter your known values and solve for the payment amount, loan amount, interest rate or amortization period. Simply enter what you know and click on the calculator icon beside the parameter you don't know and DebtCalc will immediately solve for the missing number. Click here for a screen shot!

Dynamic Amortization Tables

The Amortization Tables tool allows you to generate grids in five different configurations showing payment and loan amounts based upon various variables along the X and Y axis of the chart. For example, a payment grid with the loan amount on the left and the interest rate across the top. This tool replaces the old mortgage table books that are not flexible enough for today's wide array of loan types.

	Change any parameter and instantly see the results.
	Five different grid configurations allow you to solve for most missing parameters.
	Print them out for when you go to the bank or meet with your real estate agent.
	Open any number of these windows and compare side-by-side different payment frequencies, interest rates, compounding, periods and loan amounts.
	Click here for a screen shot!

Dozens of Easy to Use Calculators

We've included dozens of powerful financial calculators that allow you to quickly calculate many common questions such as Gross Debt Service Ratio and Total Debt Service Ratio that are used to determine what a bank will lend you. We have also included financial calculators that will allow you do almost any calculation you will ever need. Some of the calculators we provide:

	Down Payment Amount
	Gross Debt Service Ratio
	Gross Debt Service Ratio Maximum Amount
	House Price from Current Rent
	House Price from Payment Amount
	Interest Amount
	Maximum Loan
	Maximum Payment
	Mortgage Payment
	Principal Amount
	Rent Payments Total
	Time to Pay Off Accelerated Loan
	Total Debt Service Ratio
	Total Debt Service Ratio Maximum Amount
	Total Interest Paid
	Total Paid for Home
	Plus many more!

Detailed Reports

Detailed reports are available that will allow you to see on paper varying levels of detail on the plans, schedules or tables stored in the system. When appropriate, you can specify a date range to print allowing you to see schedules for a specific term or period. As well, annual summary reports allow you to summarize based upon any year end you want, not just the calendar year end. You can also save these reports in HTML format which can then be emailed or included in other products such as Microsoft Word and Excel. Here are just some of the reports:

	Debt Details
	Debt Summary
	Schedule of Current Payments - Sorted by Date
	Schedule of Current Payments - Sorted by Debt
	Schedule of Minimum Payments - Sorted by Date
	Schedule of Minimum Payments - Sorted by Debt
	Schedule of Proposed Payments - Sorted by Date
	Schedule of Proposed Payments - Sorted by Debt
	Summary making Current Payments
	Summary making Minimum Payments
	Summary making Proposed Payments
	Summary Comparison
	Summary Comparison - Chart
	Amortization Schedule - Payments Only Report
	Amortization Schedule - Payment Breakdown Report
	Amortization Schedule - Annual Summary
	Amortization Schedule - Annual Payment Summary
	Amortization Schedule - Annual Payment Breakdown
	Amortization Table
	Plus more!

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