Spergel Debt Planner

Build a private debt payoff plan, compare repayment strategies, and see how extra payments may change your estimated timeline.

Take the next step toward understanding your debt with a clear, private payoff plan.

Spergel Debt Planner helps you organize debts and compare common repayment approaches using balances, rates, minimum payments, and extra amounts you enter. Your private debt plan stays encrypted on your device.

PLAN YOUR WAY

• Add credit cards, loans, lines of credit, and other debts • Choose a next payment date and monthly, biweekly, weekly, or twice-monthly payment frequency • Compare debt avalanche, debt snowball, and custom priority strategies • Add a monthly extra payment or a future lump sum • See estimated payoff timing, total interest, a projected balance graph, and payment milestones • Record planned and actual payments • Update or erase your local plan at any time

PRIVACY BY DESIGN

Debt names, balances, rates, payments, and projections stay encrypted on your device. No account is required. If you choose to request a consultation, only the contact details you enter are submitted after your explicit consent—your debt plan is not attached.

SUPPORT WHEN YOU WANT IT

When a repayment plan no longer feels manageable, you can call Spergel, book through spergel.ca, or request a confidential consultation with a Canadian Licensed Insolvency Trustee.

IMPORTANT

Results are educational estimates based on simplified monthly-interest assumptions and the information you enter. Creditors may calculate interest, fees, or minimum payments differently. The app does not provide financial or legal advice, guarantee savings, or determine eligibility for a consumer proposal or bankruptcy.