Apr 24


Normally: $15.00

ZOT Price: $9.99

Click to MacZOT Try Now  

Today’s your lucky day – Not only can you chart out how to get out of debt more efficiently, but with the discounted sale price, you’ll have even more funds to put towards repayment!

Works with your lifestyle.

Sure, everybody knows that you should get out of debt fast. That balance you have sitting on your credit card, taking up payments, adding on fees and interest, that’s a bad thing. But…realistically? Talk, talk, talk. You’ve got bills to pay. You’ve got a life to live! And some guy you’ve never heard of wants you to make sacrifices and never go out to eat just to save a few pennies on your car payment? Why should you bother?

Debtinator takes a different approach. Instead of demanding you make sacrifices and cut back to pay down your bills, it instead tracks everything you want to do. If you want to spend $300/month on clothing, that’s fine. We’re not going to argue. Just tell it your income, your expenses, and your debts.

Debtinator will then take all of that information and use it to re-allocate your unused money towards paying down your debts. Most of us have some extra cash left over at the end of the month and fritter it away. “Oh, I’ve got another $20? Nice! Let’s order a pizza!” Instead, Debtinator will take that money and pay down your bills. You don’t need to cut back on eating out (but if you do, that’ll translate to even more interest savings, so that’s good, too!), you just need to cut back on wasting money. This is here to help.

Save thousands in interest with better planning

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 send $862.07 in interest.

Or you can punch it all into Debtinator, pay the thing off in 3 months, and only spend $92.32. You just saved $769.75! That $10 registration fee is looking better all the time, isn’t it?

We’re not here to judge, we’re not here to complain, we’re not here to demand that you radically change your life to pay down your bills. We’re just trying to give you a tool to manage the money you do have more effectively so you can get out of debt that much quicker.

If you have any debts at all (and who doesn’t), please give it a try. The savings can be huge.

For more information, visit

28 Responses to “Debtinator”

  1. Chris Says:

    It doesn’t even run (under Panther). Looks like I just saved $10! Thanks Debtinator!

    j/k, I’ll try it at home under Tiger, maybe that’s the problem. Why would a simple program like this not be made to run under Panther though (assuming that is, in fact, the problem).

  2. Jim Says:

    That is, indeed, the issue. Tiger is required.

    For the technically minded, it’s because it’s a CoreData application, which was a technology introduced with Tiger.

  3. Chris Says:

    Ah, CoreData, of course. Well, I’ll try it tonight. Thanks for the info! :)

  4. Paul Newell Says:

    UGLY ICON SYNDROME! I couldn’t buy this just because I wouldn’t be able to look at my macs dock!!!

  5. Dan Says:

    I am either very excited about this or completely uninterested, definitely nothing in between. And I can’t decide which. Does this do anything beyond proving that it is a good idea to pay off my highest interest rate debts first?

  6. Jim Says:

    Heh. Not how I’d market it, but that certainly is an aspect of it.

    It also keeps very close track of all of your incoming and outgoing money and uses any unallocated funds to pay towards debt. So sure, you’re better off putting some extra funds towards your highest interest debts, but this thing can scrounge up every spare cent you have and put it towards them.

    Remember, there’s also money in the future that’ll get freed up (once that credit card is paid off, you can re-allocate those funds towards your car loan, or whatever), and it watches those, too.

    It also plans very well for future expenses. So those nasty annual expenses like car insurance, homeowner’s insurance, property tax, and so on can be factored in. You know, those things that most people tend to forget about until the bill comes due and they need to run up their credit card to cover it. It’s smart enough not to overpay on a debt now if it knows that it’ll need that money to pay property tax 11 months from now.

    And you may not want to just pay down your highest interest items first. You may have a credit card with a balance at 3.99% (love those balance transfer offers!) that you want to pay down before getting rid of your mortgage payment (at 5.99%), for whatever reason. You can generate payment reports off of that, too.

    It’s not just “pay down high interest rates first” (although, admittedly, that’s almost always the best bet), it’s also showing you exactly how much you’ll need to pay to whom and when, and how to do all of that in the most efficient manner possible that you’re willing to live with.

    Again, you can send an extra $100 to your credit cards, or an extra $50 to your cards and allocate $50 towards going to the movies. Sure, $100 to the card pays it off quicker, but maybe the additional interest payments are worthwhile to you to better enjoy your life right now. You can punch all of that in, too. Plus, you can even see how it affects things and compare, and adjust your movie budget up (or down) as appropriate, depending upon what your goals are.

  7. Paula Says:

    Hi! I just downloaded the trial version. I just can’t seem to enter any data… Is the trial version just like that?
    If not, it just does not seem to be that inuitive..

  8. Jim Says:

    The trial version has limits on the amount of data that can be entered (5 accounts, 5 debts, 5 expenses, etc.), as well as the length of time that reports can be run for (6 months into the future), but all of those limits are pretty clear and pop up when you encounter them.

    Otherwise, on each screen, click on the ‘+’ button to add in a new item of the respective type (usually in the lower left or lower right), and fill in the data. click on the ‘-’ button to remove the selected item. When you have some accounts, debts, expenses, and income, you can head over to the reports screen to generate some payment plans.

    If you’re still having trouble, then you can contact me from and I’ll help out further.

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