Brighter Futures No Debt Calculator

I want a stand alone, downloadable debt repayment calculator similiar to that found at www.zilchworks.com. The user will input - creditor, APR, current balance, current minimum payment, amount over minimum pledged each month, date to start repaying debt, and a strategy for repayment - low APR/Payment/Balance first, high APR/Payment/Balance first, or a Custom Arrangement. The calculations will be displayed in a new page in several boxes. Box 1 will be a summary - balance due, number of creditors, amount pledged, current payment, total payment with pledge. Box 2 is Creditors Repayment Plan - balance due, estimated interest, total cost of balance and interest, years and months till paid off. Box 3 is Your Repayment Plan, shows everthing in Box 2, plus interest saved and years and months saved. Box 4 is a 2 bar bar chart showing Creditors Months versus Your Months till debt free. The user must be able to download a trial version. After paying through Clickbank they receive an unlock key, which they can enter in their trial version through a pop-up box. The unlocked version will allow them to save their information and print a Balance Schedule, Repayment Summary and a Payment Summary. ## Deliverables 1) Complete and fully-functional working program(s) in executable form as well as complete source code of all work done. 2) Deliverables must be in ready-to-run condition, as follows (depending on the nature of the deliverables): a) For web sites or other server-side deliverables intended to only ever exist in one place in the Buyer's environment--Deliverables must be installed by the Seller in ready-to-run condition in the Buyer's environment. b) For all others including desktop software or software the buyer intends to distribute: A software installation package that will install the software in ready-to-run condition on the platform(s) specified in this bid request. 3) All deliverables will be considered "work made for hire" under U.S. Copyright law. Buyer will receive exclusive and complete copyrights to all work purchased. (No GPL, GNU, 3rd party components, etc. unless all copyright ramifications are explained AND AGREED TO by the buyer on the site per the coder's Seller Legal Agreement). ## Platform I would like it to run on Windows 98 plus, downloadable via Netscape, Explorer, Mozilla, etc.