Spergel Debt Planner vs Debtflake

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.

Debtflake helps you see exactly when you'll be debt-free and get there faster. Add your credit cards, loans, and student debt. Choose a payoff strategy. Watch the month-by-month plan appear instantly. No accounts, no ads, no data sent anywhere. Everything stays on your device. PAYOFF STRATEGIES Snowball - Pay smallest balance first. Build momentum with quick wins. Avalanche - Pay highest interest first. Save the most money mathematically. Manual - You decide the order. Drag to reorder your debts your way. AI DEBT COACH (on-device) Powered by Apple Intelligence - no API key, no internet, completely private. Ask your AI coach anything: which debt to tackle first, how to free up extra money, or just get a motivational boost when you need it most. TOOLS & FEATURES Interest Meter — See interest ticking up in real time since you opened the app What If Simulator — See how $50 or $500 extra/month changes your debt-free date Bi-weekly payments — Pay half every 2 weeks for 1 free extra payment per year Bonus Allocator — Got a windfall? Distribute it across debts for maximum impact Refinancing Analyzer — Is that refinance offer actually worth it? Find out in seconds Net Worth Tracker — Assets minus liabilities, with debt-to-income ratio Strategy Comparison — Snowball vs Avalanche side by side Debt Consolidation — Merge multiple debts into one to simplify your payoff Monthly Check-in — Update balances each month, track your streak Achievements — 13 badges to earn as you make progress Balance Chart — Visual trajectory to your debt-free date Share Progress — Generate a beautiful card to share your journey CSV Import / Export — Bring your own data or back it up Face ID / Touch ID lock — Keep your financial data private Goal Date — Set a target date and see if you're on track PRIVACY FIRST Debtflake stores all your data on your device and syncs privately via iCloud. Nothing is ever sold or shared. There are no accounts to create. Debtflake Pro ($4.99 one-time) unlocks unlimited debts, strategy comparison, manual ordering, and CSV export. No subscription. Ever. Debtflake is for personal budgeting purposes only. It does not constitute professional financial, legal, or tax advice. All calculations are estimates.