DebtCalc Debt Elimination Planner from Slateboard Software Inc.

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DebtCalc Debt Elimination Planner 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.
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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!
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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.
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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.
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Need Amortization Schedules Fast? Quickly and easily create accurate amortization schedules that show you the principal and interest breakdown along with running totals of interest paid plus remaining balance.
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Additional Plus! Edition Benefits

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.
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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.

Additional Premium Edition Benefits

Are you a power user? The Premium Edition removes the restrictions of saving no more than 5 plans or schedules at once.

Additional Office Edition Benefits

DebtCalc Debt Elimination Planner Office Edition adds the Client Management module that allows you to organize plans and schedules on a per client basis. As well, it is multi-user capable, allowing you to share your data across your office network.

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DebtCalc Features

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DebtCalc Debt Elimination Planner comes in three editions and is scalable to your needs.

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. More >>

Amortization Schedules
Quickly and easily create accurate amortization schedules that show you the principal and interest breakdown along with running totals of interest paid plus remaining balance. More >>

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. More >>

Payment Grids
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. More >>

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. More >>

DebtCalc Plus! adds the following features:

Amortization Schedules Plus!
With this 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 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. More >>

Dozens of Bonus Financial Calculators
We've included dozens of powerful financial calculators to help you solve most common financial calculations. More >>

DebtCalc Office adds the following features:

Client Manager
The Client Manager provides a single, unified interface from which you can access all of your clients' plans, schedules and tables saved in the system. More >>

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.
•	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.
•	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. (Plus!/Office Edition Feature)
•	See the effect of skipping, changing or adding any number of payments using Amortization Schedules Plus! (Plus!/Office Edition Feature)
•	See the effect of negative amortization using Amortization Schedules Plus! (Plus!/Office Edition Feature)
•	Dynamic Payment Grids including five different grid configurations allowing you to solve for most missing variables.
•	Dozens of Easy to Use Calculators
•	Detailed Reports.
•	Unlimited number of users can have access (a license must be purchased for each individual--see below for discount pricing). (Office Edition Feature)
•	Unlimited number of clients can be managed using the Client Manager. (Office Edition Feature)
•	Unlimited number of plans, schedules and tables can be stored on a per client basis. (Office Edition Feature)
•	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.
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Flexible Amortization Schedules (Plus!/Premium/Office Edition feature)

Need non-standard 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.
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Want to save money? Immediately see the impact that extra payments or an increased regular payment can have to the bottom line including infrequent or regularly scheduled lump sums.

Need to generate schedules for interest only or graduated loans? No problem, DebtCalc has eight different payment types including normal, interest only (static and adjusting), increasing (by fixed amount or percentage) and no payment.

Detailed and summary reports are at your fingertips. Generate reports on demand that include annual summaries based upon any corporate year end. If there is a dispute, you have the numbers to back up what you say is owed. You choose the level of detail and the dates between which the report will be generated.

Do you need multiple Day Count Conventions? Most amortization programs only generate schedules for 30/360. We include 14 different Day Count Conventions including Actual/Actual that cover almost every type of loan in existence.

Want to create what if scenarios? With Amortization Schedules Plus allows you to:

•	Create and save any number of amortization schedules
•	Set the loan amount, interest rate, payment frequency (including accelerated payments) and interest compounding frequency
•	Include principal/interest breakdowns along with running totals of interest paid and principal owing
•	Change any scheduled payment amount
•	Add any number of extra payments
•	Skip scheduled payments
•	Use any payment frequency including monthly, bi-weekly and weekly
•	Add annual, monthly or weekly lump-sum payments starting in any year
•	Print your schedule in 5 different formats and specify a date range for the years to print
•	Use different compounding methods include U.S. Rule (Simple Interest) and Canadian mortgages
•	Specify a start date for the schedule or use generic time references
•	Use any of 14 different Day Count Conventions including 30/360, Actual/Actual, 30/365 and Actual/360
•	Create US & Canadian mortgages, U.S. Rule (Simple Interest) loans, car loans, business loans, debt-consolidation loans, student loans and more
•	View a Before and After display that shows the effect of the latest changes
•	Use Undo and Redo buttons to go back and forth through your calculation changes
•	Use a Compare button to compare the existing schedule with another saved schedule
•	Create schedules for various different payment types including interest only, fixed principal + interest, Increment by dollar (Dollar Step) and Increment by Percentage (Percent Step)
•	See the effect of negative amortization
•	View five different report formats that can be printed for different date ranges using specific from and to dates
•	View Annual reports that can be summarized based upon any fiscal year end showing interest and principal paid during the year
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Fast, Accurate Amortization Schedules (Home Edition Feature)

Quickly and easily create accurate amortization schedules with DebtCalc.

•	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
•	Any payment frequency including monthly, bi-weekly and weekly
•	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
•	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
•	Five different report formats can be printed for different date ranges using specific from and to dates
•	Annual reports can be summarized based upon any fiscal year end showing interest and principal paid during the year
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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. Once finished, you can create a schedule using the calculated parameters with the click of a button.
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Dynamic Payment Grids

The Payment Grids 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.
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Client Manager (Office Edition Feature)

The Client Manager is an unified interface that allows you to manage all of your client plans. From here you can add any number of clients and then associate plans, amortization schedules and tables with these specific clients.

•	Unlimited number of users can have access (a license must be purchased for each individual--see below for discount pricing).
•	Unlimited number of clients can be managed.
•	Unlimited number of plans, schedules and grids can be stored on a per client basis.
•	New Client Strip allows you to use the Navigation Bar along the left of your screen then select the client you want to work with without having to use the Client Manager.

Dozens of Easy to Use Calculators (Plus!/Premium/Office Edition Feature)

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 debt 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
•	Payment Calendar
•	Balance Calendar
•	Summary making Current Payments
•	Summary making Minimum Payments
•	Summary making Proposed Payments
•	Summary Comparison
•	Summary Comparison - Chart
•	Months in Debt by Creditor - Chart
•	Debt Reduction Summary
•	Amortization Schedule - Payments Only Report
•	Amortization Schedule - Payment Breakdown Report
•	Amortization Schedule - Annual Summary
•	Amortization Schedule - Annual Payment Summary
•	Amortization Schedule - Annual Payment Breakdown
•	Payment Grid
•	Plus more!

What's New in V3.0

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This latest version is the most significant facelift that DebtCalc has ever received and is receiving rave reviews from our customers.

New, improved interface! Updated look and feel, new Tab Bar allows you to easily flip through your open windows, all windows are now resizable so you can take advantage of increased monitor resolutions and more!
Easier to Use! New wizard interface for the Planner, new Tab Bar for navigating between windows, new Client Strip in the Office Edition allows you to quickly bypass the Client Manager.
More reports! Four new reports including payment and balance calendars.
New features! Office Edition now allows you to save notes on your clients and more!
Plus dozens of other enhancements requested by our users!

Customer Reviews

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Here are some comments from our customers who have used our software products over the years:

I just wanted to take a minute and thank you for the hands on support that your organization provided to Maaco. The application modifications that we requested were performed with a true willingness to give the customer exactly what they wanted. I believe that those enhancements will provide value to your other customers as well. The program application is currently being used to provide floor planning to three automotive dealerships. I would be very comfortable being a reference to Slateboard if ever the opportunity arose.

Thanks again,

Neil S. Cooper
Chief Financial Officer
Maaco Enterprises, Inc.

We use your software for our Housing Rehabilitation Program. The program involves Grants and low-interest Loans. Your QuikCalc Program is the software that we have chosen to track the financial portion of the program. It has all the tools we need, and is easy to use.

Slateboard excels at their commitment to their clients. I can’t thank you enough for the excellent Customer Technical Support that your company provides. Your support staff has answered every question, walking through the application step-by-step. Many companies say they provide Customer Support but fall short of their promise. Slateboard sets the standard for Customer Service!

I highly recommend Slateboard Software.

Thanks …

Kathleen Newcomer
Borough of Chambersburg
Housing Rehabilitation

"I wanted to let you folks know that the software is great since the changes you made to address my specific problems last year. I find that I use it for many different things, and it helps me greatly with my budgeting and investing decisions. I even found an error my bank made and had it corrected. Sincerely,"

Spring R., Indiana

"I have used it and love it. It allows for 'quirky' payment schemes, i.e. skipping payments, additional principal payments, etc."

Randy B., CPA, Louisiana

"I looked all over the net and couldn't find anything that did what I needed until I found yours."

Nancy W., Bookkeeper, Indiana

"Used your software today and it is really easy to use and very helpful. Thanks!"

Leatha T., Arizona

"I appreciate the quick response."

Hugh H., British Columbia

"You guys rock!"

Shannon S., Minnesota

"Very helpful"

John E., New Zealand

"Thanks! You guys are awesome. I'm impressed with the support!"

Ed T., Texas

"Love the software."

John E., New Zealand

System Requirements & FAQ's

How long will it take to download?
Can I download again if I need to reinstall my software?
I have additional questions about downloading...
How do I get help or technical support?
Where can I find information about or purchase the Canadian version?
Do you have a money back guarantee?

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System Requirements

Computer	PC capable of running Windows 8 or higher
Operating System	Windows 8 or higher
Memory	Minimum 1 GB
Hard Disk Space	45 MB free disk space required
Monitor	1024 x 768 resolution or higher recommended (800 x 600 mode available from Edit menu)
Printer (optional)	Required to print reports but not to operate program. Any printer supported by Windows

FAQ's

Please click below to find answers to these common questions about purchasing.

If you have additional questions, please contact Customer Service via email at sales@slateboard.com.

How long will it take to download?
Download times will differ depending on Internet connection speed and other factors. Typically downloads via "high-speed" connections take 1-3 minutes. Downloads via dial-up are usually much slower and can take 20-40 minutes depending upon the connection speed.

Can I download again if I need to reinstall my software?
Yes. Just visit our Downloads section, select Download My Order and after installing use your registration number for full access. If you have lost this number, please email sales@slateboard.com with as much information as possible for us to identify your order and we will send you your code.

I have additional questions about downloading...
For a detailed explanation on how to download, please visit our How to Download Software Over the Internet page.

How do I get help or technical support?
Most questions can be answered by reading the online help. If your answer cannot be found there, email support is free for as long as you use your software. Send your question to support@slateboard.com.

Where can I find information or purchase the Canadian version?
All of our software is compatible with Canadian style debts, loans and mortgages. When creating a Canadian mortgage, simply select a Compounding method of Canadian. Note that all prices on this site are in US$ unless otherwise noted.

Do you have a money back guarantee?
DebtCalc is quick and easy to learn and our software is already in use by thousands of individuals and professionals across the United States and the world. We've been in business for over 25 years and offer a 60 day money back guarantee on all of our software so there is no risk to you! For more details on our money back guarantee, click here.

Compare Editions

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The feature grid below will help you decide which edition of DebtCalc is right for you. If you still aren't certain, remember that you can upgrade to any higher edition for the price difference at any time. As well, we have a 60 day money back guarantee on all of our products.

	Home Edition	Plus! Edition	Premium Edition	Office Edition
Price	$39.95	$69.95	$149.95	$299.95
Fully functional demo available.
Purchase securely on our web site.

Users can share data over a network
Multiple simultaneous users
Track your data by client
No limits on the number of debt calculations, schedules, etc. that you can create
Debt Elimination Planner	Up To 5 Plans	Up To 5 Plans	Unlimited	Unlimited
Debt Elimination Planner Wizard
Solve for Missing Number Calculator
Amortization Schedules Plus!		Up To 5 Schedules	Unlimited	Unlimited
Amortization Schedules	Up To 5 Schedules	Up To 5 Schedules	Unlimited	Unlimited
Payment Grids	Up To 5 Grids	Up To 5 Grids	Unlimited	Unlimited
Dozens of Bonus Calculators
Save reports as PDF using a third party PDF generator
Export reports in HTML
Data file backup and restore
Purchase securely on our web site.

Still Have a Question?

If you still have a question, please contact us and we will be happy to help you decide what edition is right for you. Simply email us at sales@slateboard.com and we will respond shortly.

Compare the Competition

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Ten Reasons Why DebtCalc Beats the Competition!
1	Complete Flexibility Our software is completely flexible, it doesn't try to pigeon hole you into something that doesn't work for you. An example, one of our competitors requires all credit cards to have a minimum payment of 2% of the balance, another has it set to 2.5%. So what do you do if your card requires 3%? You use DebtCalc. It allows you to specify the percentage rate.
2	More Than Just One Plan DebtCalc has three different plan types: Debt Reduction Schedule (that also includes 12 different prioritization methods), Loan Consolidation Schedule and Fixed Term Schedule. Most of our competitors only have one plan type (and definitely don't include the 12 different prioritization methods!)
3	This Program Pays for Itself Concerned about the price? Don't be. If this program saves you just $5.00 per month, the program has more than paid for itself within one year! And the chances of you saving just $5.00 is slim--it will probably be thousands over the lifetime of the debts.
4	Save Big With a Bundle! Buy any edition of any of our products, and on Step #2 of the purchase process you can take advantage of huge savings on some of our other products including deals of 60% off or more!
5	Upgrade for the Price Difference Decide that you need more power after you've already bought? Upgrade for the price difference. You will never have to pay for the same thing twice.
6	Flexible Payment Grids Want a quick reference of loan amounts versus interest rate showing corresponding payment amounts? What about loan amounts versus loan period showing amounts? Either and more are possible with the Payment Grids.
7	Solve for Missing Number Calculator DebtCalc includes a solve for missing number calculator that allows you to specify your known parameters and solve for the unknown, including Payment Amount, Loan Amount, Interest Rate and Loan Period. As well, DebtCalc Plus! and Office include over 30 bonus calculators to make your life easier when you need a quick answer to a financial question.
8	Be Up and Running. Now. Order online and your registration number is sent to you immediately. No delays, no waiting for someone to process your order manually.
9	Support Have a question? Need some help? Need some help next year? Send us an email and we'll get right back to you, no matter how long ago you purchased. Lost your registration number? Upgraded your machine? Hard drive crashed? No problem, download again from our site, even if you ordered ten years ago!
10	No Risk! We have a 60 day money back guarantee! If you are not completely satisfied, you get your money back. No hassles, no forms, no restocking fees, no risk!

Pricing

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DebtCalc comes in four editions and is scalable to your needs. You can upgrade to a higher edition at any time for the price difference.

If purchasing DebtCalc Home, Plus! or Premium Editions:

Edition	Price (US$)
Home	$39.95
Plus!	$69.95
Premium	$149.95
Office	$299.95

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