Get your debt under control the right way.

Everybody that has debt knows they should get rid of it - it's crippling and can overwhelm and consume your life. Especially with this economy being as unpredictable as it is, it's not a good time to have a high debt load.

But it's not nearly as easy getting out of it as it was into it.

Some plans or applications tell you to just send a little bit more to your debts and wach them melt away. And that's awesome! But you can do better. Because when it comes down to it, you're still just guessing. "Hmm, I think I can spare another $20 to my credit card this month." And then you make projections based on your guess and just hope and hope that you guessed right. Because if you were wrong, then all those projections are bogus.

Debtinator is more intelligent. Instead of relying upon you to guess how much money you can send, you instead describe your financial situation and it figures out how much money you have available to send for you.

So you tell it your income, your recurring expenses, and describe your debt load. It analyzes all of this and figures out just how much money you really have available to send to your debts. Sure, maybe you can spare $20 to your credit card this month. But maybe next month you could actually send $50. And the month after that $80. And the month after that, you can't send anything extra because your car insurance payment is due. You did remember that you have to pay your car insurance every 6 months when you guessed you could send an extra $20, right? Debtinator remembered.

And the best part is - it works within your lifestyle. If you want to spend $50/month eating out and $100/month on movies and $200/month on purchases here in the App Store, you're welcome to do it. Debtinator doesn't judge. We're not trying to make you pay off your debt our way, we're trying to show you how to pay it off your way.

If you don't like the results? Change 'em! Spend $25/month eating out instead and see what sort of impact it has. If it saves you more in interest and gets you out of debt sooner, then so much the better. Or go the other way - maybe budgeting $75/month for eating out will only keep you in debt for another 3 months and cost you a couple hundred bucks more. Is eating out more for the next few years worth the little bit of extra time it'll take you to pay off your debts? We don't know. The point is you get to decide what works for you, Debtinator just works with it.

It doesn't matter if you have $5,000 in debt or $500,000. Better planning yields better results. Wouldn't you love to pay off your mortgage in 7 years instead of 30? If it can be done, Debtinator will show you how.

The savings are potentially huge. A little work and planning is going to recoup the registration fee in nothing flat, knock out your debts, and brighten your future.

Feature requests? Problems? Bugs? Contact us and let us know! We hate bugs in the app even more than you do - it's handling your money and our reputation, and it's gotta be flawless. So if you have trouble, tell us so we can fix it. Feature requests are always welcome, too! We can't promise to implement everything, but suggestions are always a good thing. So please, talk to us should the need arise. We pride ourselves on our customer service.

What's New

Version 3.4.9

* high sierra compatibility
* re-enabled missing printing authorization

Ratings and Reviews

3.9 out of 5

13 Ratings

13 Ratings

Most helpful debt relief plan software available


I have had many classes involving finance and budget creation. Never have I been able to use a spreadsheet product as powerful as Debtinator. It does take some setting up if you do not already know your spending habits, but, after one get’s the spending dialed-in future planning becomes very accurate and managable. It has been a great relief knowing that I truly have a plan for becoming independent and financially free. Many thanks to Jim Thomason for creating such a wonderfull and powerful spreadsheet. Oh, by the way, I use Debtinator to make myself in-debited to my investment account which tells me how much I can invest each and every month without putting a cramp into my lifestyle. Now I really now the date that I can retire. Thanks again, Jim Thomason.

Awesome…exactly what I needed

On my back

Debt-free seemed impossible to me. I have downloaded 4 apps to help manage my debt and was hesitant to spend money after having been disappointed with the other apps. After some work on the front end it helps create a plan that gets you debt free. The app is extremely well thought out and well worth the money if you are serious about getting debt free and are willing to put some work in. I keep looking at it again and again because I cant believe that I am going to be debt free after thinking it was never going to happen for me (as long as I stick to the plan).

I also had an issue that required customer support. Their responsiveness was outstanding!

Not terribly intuitive, but once you get it, it works well!


So - upon first open I was a little dissapointed with the interface (a bit dated), but after starting to populate the data, and understanding how to manipulate the Scenarios to my liking, it’s very helpful to have a payment plan. It gave a great relief to see the ‘light at the end of the tunnel’. The spreadsheet format is great, as it’s very easy to see what expenses and debts are due by date.
Biggest reason for a lack of the 4th star is that I can’t print from the program! It’d be really nice to print out my plan for the month.


Jim Thomason
4.5 MB
Age Rating
Rated 4+
© 2004-2017, Jim Thomason


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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