Quick facts

Product
Unburden
Category
Personal Finance / Debt Payoff
Founder
Location
Ontario, Canada
Platforms
Web, Android
Pricing
Free / $6.45 mo / $149 lifetime
Website
Press contact

Company boilerplate

Short (one sentence, 22 words)

Unburden is a privacy-first debt payoff planner built around the Burden Score, a 0-100 financial vulnerability score for consumers, not lenders.

Medium (one paragraph, 65 words)

Unburden is a privacy-first debt payoff app built in Ontario, Canada. It introduces the Burden Score, a proprietary 0-100 financial vulnerability score that shows how much stress your debt is putting on your life. The app pairs the score with three payoff strategies, a month-by-month timeline, and a daily cost counter, all on-device with no bank linking required.

Long (two paragraphs, 145 words)

Unburden is a debt payoff planner designed for people who want a clear plan without handing over their bank credentials. Every balance, rate, and payoff projection stays on the user's device. Nothing is transmitted to Unburden's servers. The app is built around the Burden Score, a 0-100 financial vulnerability score that measures risk to the consumer, not risk to a lender.

Founded in 2026 by QA professional Morgan Kane, Unburden combines two established debt payoff methods (Snowball and Avalanche) with Momentum, a proprietary strategy that is mathematically constrained to match or beat Avalanche on total interest paid across modeled debt profiles. The app supports 13 debt types, couples mode for joint payoff tracking, and an ADHD-friendly interface designed around short flows and visual progress rather than walls of text.

Pre-approved quotes

These are ready to paste into stories without needing to circle back for approval. For custom quotes on specific angles, reach out.

On why Unburden exists

"I tried every debt payoff app I could find. They all had the same problem: dashboards designed by people who had never actually sat at a spreadsheet at 1 AM trying to figure out when it would all be over. I built Unburden because I needed it, not as a business idea."
Morgan Kane, Founder, Unburden

On the Burden Score

"Credit scores were built for lenders. The Burden Score was built for you. It measures financial vulnerability, not creditworthiness. Two people with identical credit scores can be in completely different financial positions, and the Burden Score makes that visible."
Morgan Kane, Founder, Unburden

On privacy in fintech

"Most debt apps require bank linking because their real product is data. Our real product is helping you pay off debt. Your balances, rates, and payoff plan stay on your device. That constraint shaped every design decision."
Morgan Kane, Founder, Unburden

On ADHD and debt

"ADHD brains get stuck in debt cycles for specific, observable reasons. Task-switching costs, time blindness, and the minimum-payment trap that rewards avoidance. Unburden is designed around those patterns instead of ignoring them."
Morgan Kane, Founder, Unburden

Key statistics

All figures below are calculated from Unburden's simulation of representative debt profiles comparing optimized payoff strategies to paying only the minimum. Real results vary with individual circumstances.

$4,320
Average interest saved on modeled debt profiles (optimized vs minimum)
14 mo
Average time reduction on modeled debt profiles
60 sec
From app open to first Burden Score
13
Debt types supported (cards, loans, BNPL, student, medical, etc.)
0
Financial data points transmitted to Unburden's servers
15
Free calculators on the marketing site, no signup required

Brand assets

Logos, icons, and wordmarks. For custom sizes or layouts, email the press contact below.

Unburden app icon
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Unburden icon (512)
App Icon (small)
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Unburden wordmark on light
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Unburden wordmark on dark
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Brand colors

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Primary teal
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Accent teal
#0C0E12
Background
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Brand name usage

Recent launches

Journalist FAQ

Is Unburden a registered financial advisor or credit counselor?

No. Unburden is a planning tool. It provides calculations based on user-entered data, not personalized financial advice. For individual guidance, readers should consult a licensed financial advisor or credit counselor.

Where is Unburden based and who built it?

Unburden is based in Ontario, Canada. It was founded by Morgan Kane, a Senior QA professional with 10+ years in software. See the full founder bio.

Does Unburden have access to user bank accounts?

No. The app does not require bank linking. Balances, rates, and payoff plans remain on the user's device. No financial data is transmitted to Unburden's servers. This architectural choice is central to the product.

What is the Burden Score and is it a credit score?

The Burden Score is a proprietary 0-100 financial vulnerability metric calculated from five weighted financial stress signals. It is not a credit score. Credit scores measure lender risk. The Burden Score measures stress on the consumer.

How is Momentum different from Snowball and Avalanche?

Snowball targets the smallest balance first (motivation). Avalanche targets the highest interest rate (math). Momentum is a proprietary three-rule method that combines both, mathematically constrained to match or beat Avalanche on total interest across modeled debt profiles. It is a Pro feature.

Is there data I can use for my story?

Yes. The modeled statistics on this page are calculated from Unburden's internal simulations across representative debt profiles. For specific angle requests (e.g. Canadian data, ADHD and debt, couples payoff patterns), email the press contact and we can generate targeted numbers.

Can I get an interview with the founder?

Yes. Morgan Kane is available for interviews on topics related to consumer debt, financial privacy, ADHD and money management, solo-founded fintech, and Canadian debt patterns. Typical turnaround on email requests is under 24 hours. Phone and video calls can be scheduled by arrangement.

Press contact

For interviews, quote requests, early access to features, or anything else, email hello@unburden.money with "PRESS" in the subject line.

Response time: Typically under 24 hours on weekdays. Urgent queries: mention your deadline in the subject.

Disclaimer: Unburden is a planning tool, not a financial advisory service. The calculations are based on the information users provide and standard amortization math. Unburden does not provide financial advice, investment recommendations, or debt counseling. For personalized financial guidance, readers should consult a licensed financial advisor or credit counselor.