Burden Index Strategies Pricing Blog Find Your Score
The first financial metric built for you

Your credit score protects lenders.
Your Burden Index protects you.

The Burden Index measures real financial vulnerability, not your value to a bank. How much stress your debt puts on your life. Find yours free in 60 seconds.

Find your Burden Index How it works

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

$4,320
Average interest saved
14 mo
Sooner than minimums
3
Payoff strategies
60 sec
To find your score
The Burden Index

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

Your credit score measures how risky you are to lenders. Your Burden Index 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 Index can exist on the same person. The credit score says the bank is safe. The Burden Index says you are not.

Free users get their score and tier. Pro unlocks the factor breakdown, monthly trends, projected score, and share cards.
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
Your Burden Index history tracks progress month over month, with tier zones showing where you stand.
Critical Heavy Stressed Stable Unburdened 72 61 41 31 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.

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.

Tested against real debt profiles. Never costs more than avalanche. Often saves more than either strategy alone.
How it works

Three questions. 60 seconds. Your score.

You came for your Burden Index. 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 Index

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

What happens when you throw an extra $50 or $200 at your debt each month? Drag a slider and watch your debt-free date move. Instant math.

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

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.

Everything lives on your device, backed up through your own Google account. Your balances, your rates, your Burden Index, your payoff plan. None of it ever touches our servers. Not because we couldn't build it that way. Because we chose not to.
No ads, ever
No bank linking
No account required
No data collection
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 Index score + tier
  • Up to 3 debts
  • Snowball & Avalanche
  • Daily Cost Counter
  • Debt-Free Countdown
  • Basic reminders
  • No ads, ever
Get Started Free
Most popular

Pro

The full picture
$4.99 /month
7-day free trial
Everything in Free, plus:
  • Full Burden Index breakdown + trends
  • History chart + projections
  • Share cards + milestones
  • Momentum strategy
  • Smart strategy recommendations
  • Unlimited debts
  • Full timeline + What-If Simulator
  • Spaces, pay schedule, PIN lock
Start Free Trial
Limited to 100

Lifetime

Pay once, own it forever
$129.99 one-time
No subscription, no renewals
Everything in Pro, forever:
  • All Pro features, no expiry
  • Every future update included
  • Support an indie developer
Limited to early supporters. Once they're gone, they're gone.
Get Lifetime Access
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. No other app, bank, or financial tool shows you this number.
A credit score measures your risk to lenders. The Burden Index measures your risk to yourself. You could have a 780 credit score while carrying a Critical Burden Index because you're one missed paycheque from real trouble. Credit scores were built for banks. The Burden Index 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. It guarantees results no worse than avalanche, and often beats both strategies on motivation and cost.
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 Index score and tier, up to 3 debts, Snowball and Avalanche strategies, the Daily Cost Counter, and basic reminders. Pro unlocks the full Burden Index breakdown with factor details, monthly trends, history chart, projections, and share cards. It also adds the Momentum strategy, smart strategy recommendations, unlimited debts, full payoff timeline, What-If Simulator, spaces for couples, pay schedule sync, and PIN lock.
Monthly ($4.99/mo) and Annual ($39.99/yr) plans include a 7-day free trial. The Weekly plan ($1.49/wk) starts immediately with no trial. Lifetime ($129.99 one-time, limited to 100 licenses) starts immediately. You can cancel any subscription anytime.

Do you know your
Burden Index?

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

Find your Burden Index
Disclaimer: Unburden is a planning tool, not a financial advisor. The Burden Index is an educational estimate based on self-reported data. It is not financial advice and does not represent an official credit or insolvency assessment. If you're struggling with debt, consider speaking with a Licensed Insolvency Trustee.
Find Your Score