I agree with the other postings; most people dont pay all of their bills monthly. This lack of flexibility takes away from an otherwise awesome app. It is still useful, but this makes it a rough estimate.
Also a debt payment cannot be edited once it is input. For example, if you increased your debt payment by $50/month, you must either start a new debt category or add $50/month each month.
Still a very useful app to see debt, interest, and payment totals
MiniMac2012 about Debt Payoff Assistant, v3.0