I have been using this app for about seven months now. So far, it is has helped me greater appreciate our true debt against what we say our plan is. I am hopeful that future updates would allow for a change in the amount towards debt that you would like to pay off each month, instead of requiring you to adjust all previous payments. This would come in handy for the times when your budget may be a little extra generous or the opposite. All in all an awesome app for the price!