Easy to use and the math works great!

I am not sure how schikb used the program when he said that the math doesnt add up, but I think hes wrong. I have had no problems with the math... I did an initial couple of checks with my credit cards and the math was right on. Pay It Down helped me to figure out which of two loan offers was best for me (big loan for finishing my basement). I also saw the effect that paying just $25 more each month can do - shaved over a year off of the loan! I think that the graphs are very helpful and I like that the program is easy to use. I especially like watching my debt load go down! This program gives a good visual representation of the data.

NativeFlowerLover about Pay It Down