This program is meant to be a quick and easy to use tool for calculating general loan, lease, bond, credit card debt pay-off, asset depreciation, and investment scenarios. The Value of Money may be used by people with any level of finance knowledge. Having so many tools in one place can be a powerful means to make what might otherwise seem to be difficult and complicated spending or investment decisions. A common example is deciding between buying and leasing a vehicle. Use the Loan vs. Lease feature to get accurate guidance about which option will be the least costly. Have too much credit card debt? The Credit Card Debt feature shows you how long it will take to pay it off and can give you a steady payment plan to achieve your goal.