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Debt payoff planner · Credit card tracker · Burden Score™

Your credit score exists for lenders.
Your Burden Score™ exists for you.

Track every credit card. Plan every payoff. Your Burden Score measures real financial vulnerability, not your value to a bank. Free in 60 seconds.

Find your Burden Score How it works

Or take the 3-minute stress test →

No ads. No bank linking. Everything stays on your device.

$4,320
In interest saved*
14 mo
Sooner than minimums*
3
Payoff strategies
60 sec
To find your score
*Based on modeled profiles using Federal Reserve, Experian, and TransUnion distribution data. Results are illustrative averages. Individual results will vary based on debt amounts, interest rates, and payment behavior. See our methodology.
The Burden Score

The number you need to know
but nobody's ever shown you.

Your credit score measures how risky you are to lenders. Your Burden Score measures how much financial stress you are actually carrying. It's a proprietary 0-100 score built from multiple financial stress signals weighted to your specific situation.

A high credit score and a Critical Burden Score can exist on the same person. The credit score says the bank is safe. The Burden Score says you are not.

Free users get their score and tier, plus share cards. Pro unlocks the factor breakdown, monthly trends, and projected score.
64
Heavy
One setback could hurt.
Unburdened Stable Stressed Heavy Critical
0-15 16-35 36-55 56-75 76-100

Built on 5 proprietary financial stress signals, each weighted to your situation. It captures what credit scores ignore: how close your debt is to becoming a real problem. Pro unlocks the full factor breakdown so you can see exactly what's driving your score.

Watch your score drop
Real progress over 11 months — Jan to Nov
−41 pts since Jan
100 75 50 25 0
Jan Mar May Jul Sep Nov
Three strategies

Pick the strategy that fits your debt. Or let the app recommend one.

Unburden analyzes your actual debt profile and recommends the strategy that works best for your situation.

Free

Snowball

The motivation method

Pays off the smallest balance first. You eliminate debts faster, building confidence and momentum with each one you cross off.

Best when your rates are similar and you need quick wins to stay motivated.
Free

Avalanche

The math method

Targets the highest interest rate first. Saves the most money over time. On modeled profiles, avalanche saves an average of $340 more than snowball (up to $1,095 on profiles with high APR spread). See the full analysis.

Best when you have a wide spread between your highest and lowest rates.
Pro

Momentum

The most rewarding way out

A proprietary three-rule system that adapts to your debt profile. You get early wins that keep you motivated without sacrificing the mathematical savings of avalanche.

Mathematically designed to never cost more than avalanche on total interest paid. Often saves more than either strategy alone.
How it works

Three questions. 60 seconds. Your score.

You came for your Burden Score. You leave with a complete payoff plan. You won't even realize you finished onboarding.

01

What do you owe?

Add your debts: name, balance, rate, minimum payment. Pre-filled templates for common types.

~20 seconds
02

What can you pay?

Your total monthly budget for debt payments. One number.

~5 seconds
03

Your Burden Score

Score reveal. Tier explanation. Strategy recommendation. Your payoff plan is already built.

Instant
Features

More than a calculator. A system.

Free

Daily Cost Counter

Your debt costs money every single day. Not someday. Today. See exactly how much interest you're paying per day across all your debts. It's the number that makes people stop scrolling and start planning.

Pro

What-If Simulator

Thinking about financing a car? Putting $3,000 on a credit card? Stage the purchase and see exactly how it hits your debt-free date, lifetime interest, and Burden Score before you commit.

Pro

Full Timeline

Every month mapped out until you're done. What to pay, to which debt, every single month. Watch balances drop. Know when each hits zero.

Pro

Freedom Goal

Name what you're working toward. A trip. A house. Just breathing room. Set it, see it on your dashboard, and export your debt-free date straight to your calendar.

Pro

True Cost Insights

That $3,000 credit card balance? It's actually costing you $4,200 by the time you're done. See the real price tag on every debt, with category breakdowns that show where your money is actually going.

Pro

Pay Schedule Sync

Tell Unburden when you get paid. It lines up your debt payments with your paycheques and alerts you on payday. No more guessing which payment goes where this week.

Free

Share Cards

Hit a new tier? Drop 10 points? Share a card with your score and progress. No financial details exposed. Safe to post, impossible to ignore.

Pro

Spaces for Couples

Separate wallets for separate budgets. Or merge them into a combined view. Built for the way real households handle money.

Free

Built for ADHD Brains

Short screens, clear progress, no clutter. Designed by someone with ADHD who couldn't use any other debt app. Works for everyone.

We don't want
your data.

We don't want to sell your data.

We don't want to know about your data.

We don't want anything to do with your data.

Your financial data lives on your device, backed up through your own Google account. Your balances, your rates, your payoff plan. Your raw financial data is never sent to our servers. Your Burden Score is calculated using anonymous ratios derived from your data. No dollar amounts, debt names, or identifying information leave your device.
No ads, ever
No bank linking
No account required
No financial data collected
We aren't sellouts.

Start free. Upgrade when you're ready.

The free plan is real and it stays free. No trials on free, no tricks.

Free

Get started
$0 /forever
No credit card needed
  • Burden Score score + tier
  • Up to 3 debts
  • Snowball & Avalanche
  • Daily Cost Counter
  • Debt-Free Countdown
  • Basic reminders
  • PIN lock
  • No ads, ever
Get Started Free
Most popular

Pro

The full picture
$6.45 /month
Just $1.49/week · 7-day free trial
Everything in Free, plus:
  • Unlimited debts
  • Full timeline + What-If Simulator
  • Momentum: our exclusive third strategy
  • Full Burden Score breakdown, trends + projections
  • Freedom Goal + calendar export
  • Parallel Universe chart (plan vs minimums)
  • True cost insights per debt
  • Pay schedule sync + payday alerts
  • Spaces for couples + combined view
  • Export your plan (CSV + PDF)
Start Free Trial
Limited Offer

Lifetime

Pay once, own it forever
$149.99 one-time
No subscription, no renewals
Everything in Pro, forever:
  • All Pro features, no expiry
  • All current and future Pro features for as long as the service operates
  • Support an indie developer
One-time payment. No subscription, no renewals, no surprises.
Get Lifetime Access
See every feature compared 33 features across 7 categories. Tap any to expand.

Free covers 7 features. Pro unlocks the other 26. Tap the info circle beside a feature for a quick explainer.

Feature
Free
Pro
Track your debts
Number of debts
3 max
Unlimited
All debt types (cards, loans, BNPL)
Auto-calculate min payments
Exclude debts from early payoff
Plan & visualize
Daily interest counter
Debt-free countdown
Payoff timeline
3 months
Full timeline
What-If Simulator
0.3x–3x slider
Parallel Universe chart
Stats only
Full chart
Budget overrides
Adjust by month
In-app calculators
Stacked debt chart
Interest flow chart
Burden Score
Your Burden Score
Score breakdown
Score trends over time
Future projections
Smart strategies
Snowball & Avalanche
Momentum strategy
Sensitivity analysis
Customize your plan
True cost insights
Label & categorize debts
True cost per debt
Category breakdown chart
Debt cost share chart
Eliminated share chart
Goals & reminders
Payment reminders
Weekly
Weekly + biweekly + monthly
Pay schedule + payday alerts
Freedom Goal
Calendar export (.ics + Google)
Spaces & backup
Spaces (multi-wallet)
Single
Multiple + combined view
Google Drive backup
Export plan (CSV / PDF)
FAQ

Questions you probably have.

A 0-100 score that measures your real financial vulnerability. It's built on five proprietary stress signals that capture how much pressure your debt is putting on your life, not how risky you are to a bank. Lower is better. You can find yours free in about 60 seconds. It's not a number you'll find on your banking app or credit report.
A credit score measures your risk to lenders. The Burden Score measures your risk to yourself. You could have a 780 credit score while carrying a Critical Burden Score because you're one missed paycheque from real trouble. Credit scores were built for banks. The Burden Score was built for you.
A Pro-exclusive third payoff strategy. It uses a proprietary three-rule system that combines the quick psychological wins of snowball with the mathematical savings of avalanche, dynamically applied to your specific debt profile. Momentum is mathematically constrained so that it never assigns a payment order that would cost more in total interest than avalanche. Individual results will vary.
Your data never leaves your device. Unburden does not link to your bank, does not require an account, and does not collect or transmit your financial information. Everything is stored locally and backed up through your own Google account. No analytics company, advertiser, or third party sees your balances.
Free gives you your Burden Score and tier, share cards, up to 3 debts, Snowball and Avalanche strategies, the Daily Cost Counter, Debt-Free Countdown, weekly reminders, and PIN lock. No ads, no account required, no expiry. Pro unlocks unlimited debts, the full payoff timeline with month-by-month detail, the What-If Simulator, and Momentum (our exclusive third strategy). You also get the full Burden Score breakdown with factor details, trends, and projections. Plus: Freedom Goal with calendar export, Parallel Universe chart, true cost insights per debt, pay schedule sync with payday alerts, budget overrides for individual months, spaces for couples with combined view, and CSV + PDF export.
Monthly ($6.45/mo, just $1.49/week) and Annual ($49.99/yr) plans include a 7-day free trial. Lifetime ($149.99 one-time) starts immediately. Cancel any subscription anytime.
Cancel anytime from within the app settings, or email hello@unburden.money before your trial ends and we will cancel it for you. No questions asked.
Keep exploring

Calculators. Guides. Real scenarios.

Use a quick tool, dig into the strategy, or find a payoff scenario that matches your numbers. Everything here is free.

Free calculators

Debt-Free By [Date] Three inputs, one answer. The shareable debt-free date tool. Debt Payoff Calculator Snowball or avalanche. See your debt-free date. Credit Card Payoff Calculator Month-by-month plan to kill a card balance. Debt-to-Income Calculator The ratio lenders actually check. Know yours. See all calculators →

Deeper guides

Snowball vs Avalanche: which wins? Modeled profiles show avalanche saves $340 on average. How to calculate your debt-free date The formula, the shortcuts, the real answer. The minimum payment trap Why minimums keep you in debt for decades. The math behind consolidation When consolidation helps, when it backfires. Read the full blog →

Real scenarios

Debt payoff scenarios See timelines for your income and debt. Unburden vs. alternatives Honest comparisons with YNAB, Mint, Rocket Money, Monarch. Switching from another app? 10-minute migration guides from YNAB, Mint, Monarch, and more. Canada debt help Province-by-province resources for Canadians. See the full sitemap →

Do you know your
Burden Score?

Find out in 60 seconds. It might change how you think about your money.

Find your Burden Score
Disclaimer: Unburden is a planning tool, not a financial advisor. The Burden Score is an educational estimate based on self-reported data. It is not financial advice and does not represent an official credit or insolvency assessment. Results vary based on individual circumstances. *Savings and timeline figures based on modeled debt profiles using optimized payoff strategies vs. minimum payments only. If you're struggling with debt, consider speaking with a Licensed Insolvency Trustee.
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