Debt Management Tool is a software program designed to help people in debt manage and understand their financial situation. By entering in your income, debt, and expenses, you can compute your debt situation and figure how long it will take to pay off your debt. By checking off expenses as either "needs" or "wants" you can determine how much quicker you can pay off your debt by making some sacrifices in your monthly expenses....
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Support for Debt Management Tool is available from the
publisher/developer site 
This download (Debt Management Tool) is freeware. "Freeware is copyrighted computer software which is made available for use free of charge, for an unlimited time, as opposed to shareware where the user is required to pay (e.g. after some trial period or for additional functionality)." More info at
Wikipedia.
Soft32 (ITNT) cannot be held liable for issues that arise from the download or use of these software products. We encourage you to determine whether this software or your intended use is legal. Even if we try to check the program files for viruses, we cannot guarantee 100% that they are clean. For your own protection always check downloaded files for viruses, spyware and malware.