From the developer: "Debtonation is the ultimate personal credit advisor. The program was designed to create a timeline to pay off credit card debt. Introductory rates and deferred interest can create much confusion as to which debts to focus on each month. Debtonation removes the guess work and builds a payoff schedule based on paying off higher interest debts first.

"The program works in 2 simple steps. Step 1: Input your debts. Each debt can handle up to 6 balances. This is helpful if you have transferred balances between cards. You may have balances at different interest rates under one account. Each balance can have an introductory rate, the expiration date of the introductory rate, and the regular rate that follows. You can also specify to either keep the monthly minimum payment static, or dynamic. If you are paying off credit card debt - your minimum payments will lower as the balance decreases. Debtonation will adjust your minimum payments for you, and dedicate the extra money gained towards your higher interest debts. For debts like car loans, you can lock the minimum payment as it is fixed. Step 2: Figure out how much money you can budget towards paying off your debt. That's all there is to it! Debtonation will build a payoff schedule paying off your highest interest debts first. If you are unhappy with the timeline - just change your monthly debt allowance until you're happy with the results."

Notes: Load, save, and print buttons are disabled. Wait screen when calculating pay off date.