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In
debt? Want to save thousands and at the same time
get out of debt faster? Then you need DebtCalc!
DebtCalc allows you to enter all of your debts and then see
a plan with the click of a button that can
save you thousands and pay off your loans quicker. By having
DebtCalc analyze your debts you can quickly produce a schedule
of payments that will show exactly how much to pay
on each debt each month to minimize the interest you
will pay and the amount of time it will take you to become
debt free.
DebtCalc
also includes Amortization Schedules, Payment
Grids and a Solve for Missing Number Calculator.
Want even more money saving tools? DebtCalc Plus! includes
QuikCalc's Amortization Schedules Plus! that allows you to
create extremely flexible schedules plus dozens of financial
calculators.
Do
you have clients who are in debt? Then you need DebtCalc
Office Edition! The Office Edition adds a Client
Management module that allows you to organize your plans on
a per client basis and is multi-user ready!
Click
below to see all of the great features that DebtCalc has to
offer!
| DebtCalc
Benefits |
Click
Here to Expand |
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.
View Screen Shot
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.
View Screen Shot
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.
View Screen Shot
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.
View Screen Shot
Additonal
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.
View Screen Shot
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.
Additonal
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.
| DebtCalc
Features |
Click
Here to Expand |
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 >>
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Back to Features
Just
a few more of the key features:
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Save
any number of plans for future reference and
make copies of these plans to quickly create
variations to compare. |
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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. |
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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. |
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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. |
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Dozens
of Easy to Use Calculators |
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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 |
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Back to Features
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.
View Screen Shot #1
View Screen Shot #2
View Screen Shot #3
View Screen Shot #4
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Back to Features
Flexible
Amortization Schedules (Plus!/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.
View Screen Shot
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.
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.
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:
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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 |
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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 |
| • |
View Screen Shot
|
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Back to Features
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 |
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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 |
| • |
View Screen Shot
|
<
Back to Features
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.
View Screen Shot
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Back to Features
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. |
| • |
View screen shot |
<
Back to Features
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. |
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Back to Features
Dozens
of Easy to Use Calculators (Plus!/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! |
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Back to Features
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 |
| • |
Summary
making Current Payments |
| • |
Summary
making Minimum Payments |
| • |
Summary
making Proposed Payments |
| • |
Summary
Comparison |
| • |
Summary
Comparison - Chart |
| • |
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! |
<
Back to Features
| What's
New in V2.0 |
Click Here to Expand |
This
latest version is the most significant facelift that
DebtCalc has ever received and is receiving rave reviews
from our customers.
- Windows
Vista Compatible! Don't
holdback on upgrading to Vista anymore, DebtCalc
is fully compatible.
- New,
improved interface! Once click access to
most features from the new Navigation Bar. Redesigned
for 1024 x 768 to maximize the usable space on your
desktop (800 x 600 mode available from Edit menu).
Larger easier to read font used throughout.
- Easier
to Use! The new Navigation Bar makes accessing
your favorite features much easier. All date fields
now have integrated calendars, numeric fields have
calculators and much more!
- Plus
dozens of other enhancements requested by our users!
| Customer
Reviews |
Click
to Expand |
>
Try the demo now!
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
<
Back to Customer Reviews
| System
Requirements & FAQ's |
Click
to Expand |
System
Requirements
| Computer |
IBM
or Compatible Pentium class PC (Pentium II or higher
recommended) |
| Operating
System |
Windows
Vista, XP, Windows 2000, or Windows Server 2003 |
| Memory |
64
MB of RAM (128 MB RAM recommended) |
| 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
| |
