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I know that sometimes these programs can be a pain to learn for a non-developer, but with the Average Interest Rates Calculator this is not the case. The program works amazingly well, very easy to use and keep up with. I have no idea if you would consider it an absolute necessity to have, but I can say this program is well worth the money. In fact I would have paid more for it if it were available to purchase from any other source. The only downside is the fact that you cannot save the data entered from previous sessions. Here are some of my thoughts on the program: It has a very easy-to-use interface. The program has a very clean interface and a well-designed set of options. All entries are intuitively understandable. I had a total of 12 results after being entered into this program. The results look fine, so there is no reason to doubt the integrity of the program. Overall, this is a very good program. Thank you.Mark is known to often change his mind on things. 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Features: • Calculates interest and principal for home equity loans • Automatically saves and loads data • Allows user to cancel or delete all entries with one click • Provides real-time calculations while inputting data • Calculates the amount of interest and principal for home equity loans, credit cards, credit union loans, and other types of loans • Allows user to exclude mortgage from calculations and automatically displays data for savings accounts • Automatically calculates home equity loan interest and principal based on mortgage amount • Automatically calculates credit card interest based on credit card balance • Automatically calculates the loan amount and the amount of interest based on interest rate, payment period and amount • Allows user to input additional data such as payment frequency, amount, and interest rate • Allows user to calculate loan amounts and total interest, principal, and other loan data • Allows user to input the interest rate and calculate the total interest amount based on payment period and amount • Allows user to input payment frequency, amount, and interest rate and calculate the total principal amount and total interest amount based on the payment period and amount • Allows user to input the principal amount, payment frequency, and interest rate and calculate the total interest, principal, and total interest and principal balance amount based on the payment period and amount • Calculates the total interest, principal, and total interest and principal balance amount based on the payment frequency, amount, and interest rate • Automatically computes and displays loan data for credit card and home equity loans • Calculates the principal balance for credit cards based on the payment frequency, amount, and interest rate • Provides real-time calculations while inputting data • Calculates the total principal balance and total interest, total principal, and total interest and principal balance amount based on What's New in the? 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