Spergel’s Debt Calculator

Use our debt repayment calculator to find out how much you would end up paying under different debt repayment strategies. Please enter all the debt you owe excluding mortgages or secured car loans.

Debt Calculator

Choose whether to see the difference in your monthly payments or the total you would pay under each option:


Fill debt calculator form above and click "Calculate" button


A consumer proposal is a great alternative to a consolidation loan and allows you to only repay a portion of what you currently owe. It is a legally binding arrangement with your creditors all at once that only a Trustee can file for you.