I hope someone may know of an app that can do what I'd like it to do. For the last 3 days I've spent wasted money on apps that couldn't achieve what I'd hope. Here We Go: I'm looking for a financial (debt) app with snowball effect functions but can also factor in extra purchases and alter interest rate. For Example: Debt: Visa Amount Owed: 1000.00 Interest Rate: 11% Min Payment: 54.00 Month 01 entry: Payment: 100.00 Month 02 entry; Payment 150.00 Month 03 entry: Bank changes interest rate to 11.15% Payment: 75.00 Month 04 entry: Payment: 100.00 Purchases: 300.00 Does this make sense? I'm thinking of the "what if" examples. What if the bank changes the interest rate (mine has in the past) and what if, for whatever reason, a person has to add to the debt they're trying to pay down. If anyone knows of an app or even another website that I can post this to I'd be much appreciated.