unburden

Your Burden Score in under 2 minutes. No account, no sign-up, no data leaves your device. Ever.

What would being debt-free change for you?

Takes about 2 minutes. Everything stays on your device.

You just did the hardest part

Most people never open an app like this. You did. That matters.

One rule before we start

If you're serious about paying off your debt, stop adding to it. Pick one card for daily spending if you need to. Everything else goes in the drawer.

The math only works if the balances are going down, not up.

Here's what happens next:

1 You tell us what you owe (2-3 min)

2 We calculate your Burden Score

3 You get a plan to lower it

Privacy has a trade-off. We made it.

No accounts. No tracking. No server copy of your data. That's the deal we struck, and it means backing up is on you. We'll make it one tap.

No bank linking We never ask for your bank login. No Plaid, no third-party connections. You type the numbers you already know.

Device-local storage Your balances, rates, and payoff plan are stored in your browser. They never reach our servers.

No ads. Ever. No ad networks, no data brokers. Unburden makes money from Pro subscriptions, not your attention.

No account required No email, no password, no sign-up. Open the app and start.

Your backup is your safety net Because we can't recover what we never had, Unburden makes backing up a 5-second tap. We'll show you how, and remind you when it's time.

I understand that my data lives on my device, and backing it up is my responsibility.

Read the full privacy policy

We use basic analytics (behind cookie consent) to improve the app. Your financial information is never part of that.

What are you carrying?

Add your debts and we'll calculate your Burden Score.

Most people have 3-7 debts. Credit cards, loans, BNPL, medical bills. Add whatever you're carrying.

Your currency

Want to import via spreadsheet? Or restore a backup?

or

Quick entry — 6 fields. Most people start here. Switch to Standard if you want due dates, loan end dates, and type-specific fields.

Tied to something you could lose?

Missing payments on this could mean losing your car. This affects how we score your financial risk.

Name

Give this debt a name.

Balance

$

Enter a valid amount.

APR optional

%

Even a rough estimate makes your score more accurate.

Enter a number between 0 and 100.

Credit Limit recommended

$

We use this to warn you when you're close to maxing out.

Total Payments

Remaining

Loan End Date optional

The date your last payment is due.

Renewal Date optional

When your rate changes.

Minimum Payment optional

$

We'll estimate this from your balance if you leave it blank.

Estimated from your balance, rate, and end date. Adjust if your actual payment differs.

Enter a valid amount.

Monthly Spending optional

$

New charges you add each month.

Payment Due Day optional

Day of the month this payment is due (1-31).

Your data stays on this device.

Two more numbers.

This is what makes your Burden Score accurate.

What do you take home each month?

After taxes and deductions. A rough number is fine.

$

How much extra can you throw at debt each month?

Your minimums total $0/mo. This is on top of that.

$

You can change these anytime in the app.

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Analyzing

Debt ProfileScanning...

Vulnerability FactorsMeasuring...

Strategy ComparisonSimulating...

Personalized PlanBuilding...

Your Burden Score

0

Debt-free by

$0

Interest saved

vs. minimum payments

YOUR DEBT IS COSTING YOU RIGHT NOW

$0.000000

so far today — and counting

Per day

$0

This year

$0

IF YOU START IN today

Drag the slider to see what waiting actually costs you.

The Burden Score is an educational estimate based on self-reported data. It is not financial advice.

Built for how your brain works.

Momentum is a smarter payoff strategy designed for motivation and follow-through.

Momentum Strategy

Quick wins first. Then rate-optimized.

Momentum clears your smallest debts first so you see progress fast, then switches to attacking your highest-rate debt. If the quick wins would cost you more, it skips them automatically.

Fewer debts, faster Eliminating a debt early frees up budget and reduces mental load

ADHD-friendly Designed around how your brain processes progress and reward

Always the best outcome Runs every path and picks the one that saves you the most, automatically

Your plan is ready.

RECOMMENDED

Unburden Pro

The full picture. The fastest path. Every tool you need to get to zero.

Annual SAVE 17%

$4.17/mo · 7-day free trial

$49.99 /yr

Monthly

7-day free trial

$6.45 /mo

Everything in Free, plus:

Full Burden Score breakdown + monthly trends

Momentum strategy + smart recommendations

What-If Simulator + full payoff timeline

Spaces for couples + combined view across households

Unlimited debts, share cards, pay schedule sync

Cancel anytime

No charge for 7 days

No bank access

or

Lifetime Access LIMITED

Pay once, own it forever. Every future update.

$149

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Need help? Contact support

You're in.

Momentum is active. Your Burden Score is tracking. Time to watch that number drop.

Welcome to Unburden

You're on the free plan. Your debts are saved.