When you are in debt, the last thing you need is to have to pay for software to help you manage your debt. For this reason, I created an application which can help you pay off your debt a bit wiser if not quicker. I developed this tool out of a need myself to find out when, if ever, at the current rate, my credit card would be paid off. I discovered that at the current rate it would take far longer to pay off my debt than I had expected. Since this program is written in Java, it will run on Windows (95, 98, NT, 2000, ME, XP), Linux, Mac, Solaris and a great many other Operating Systems. With this program you can discover: How many years/months it will take you to pay off your credit card The actual date the card will be paid off at the current rate A payment by payment breakdown of what you will spend How much will be spent on interest overall at that rate. You can also use this for other loans. For instance, I use it for my college loan. The hope is that by seeing how much overall you will save by paying an extra $10 or $20 per month, you will be greatly encouraged to pay the debt off that much faster. This application was written in 100% pure Java, so you will need to download sun's Jave Runtime Environment(JRE). Click here to get the JRE.   I pray that this software will be of some use to someone in an effort to get out of debt. Some good articles on money management can also be found at  crown.org. Here are some screenshots of DebtPayoff. Download Now: DebtPayoff This project is graciously hosted by: