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. All the data is organized by month. You enter in monthly expenses, monthly income, and current loans or credit card debt along with the interest rate. The program will sum the totals and tell you how long it will take you to pay off all your debt and become completely debt free. You can include or not include expenses into the "needs" total by checking and unchecking the "needs" box. All of the names or labels for expenses and loans/debt can be customized to fit your needs. For example, you can change "rent" to "mortgage" or if you don't have school costs, you can change "school" to "movies" if you spend a lot of money on movies. There are 30 customizable expense items and 10 customizable debt/loan items.