Knockdown vs Spergel Debt Planner

Pay off debt faster — without interest-based tricks, ads, or handing your bank login to a stranger. Knockdown is a debt payoff tracker that respects your privacy and your values. No sign-up. No bank linking. Everything you enter stays on your device. TRACK EVERY DEBT • Cards, loans, BNPL, and medical balances • Log a payment in one tap and watch the balance fall • Scan a statement (PDF or photo) to fill in the details — read on-device • See what each balance costs you per day in interest A REAL PLAN, HONESTLY • Debt snowball (smallest first) or avalanche (highest rate first) • True payoff dates — if a budget can't clear the debt, we say so plainly instead of showing a comforting fake date • "How we calculate" shows the exact month-by-month math BUILT HALAL FROM THE GROUND UP • No riba-based recommendations, ever — and no ads • Free zakat calculator (2.5% of eligible wealth once it reaches nisab) — with Plus, it fills in from what you track • Halal mortgage comparison (Pro): conventional loan vs. diminishing musharaka • Made with Muslim families in mind — including rotating savings circles (ayuuto/hagbad) on the roadmap PRIVATE BY DESIGN • No account and no server — your finances never leave your device • Encrypted, passphrase-protected backups you control • Optional app lock Add your debts, set what you can pay each month, and knock them down one account at a time. Knockdown is free to use. Optional Plus and Pro subscriptions unlock budgeting, net worth, and the advanced planning tools — no ads, ever. —— Subscriptions: Knockdown Plus and Knockdown Pro are optional auto-renewable subscriptions. Plus is $3.99/month or $39.99/year; Pro is $6.99/month or $69.99/year (prices may vary by region). Payment is charged to your Apple ID at confirmation of purchase, or when the free trial ends if you start one. The subscription renews automatically for the same period and price unless cancelled at least 24 hours before the current period ends; manage or cancel anytime in your App Store account settings. Free trial: new subscribers may be offered a 1-week free trial. If you start one, your Apple ID is charged the subscription price when the trial ends unless you cancel at least 24 hours before it ends. One free trial per Apple ID across Plus and Pro. Upgrading to Pro during a free trial ends the trial. Terms of Use (EULA): https://useknockdown.com/terms.html Privacy Policy: https://useknockdown.com/privacy.html

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.