Every page on Unburden, in one place.
A quick index for readers who want to browse, and for search crawlers who want the whole map. Start with a calculator, dig into a guide, or grab a printable.
Looking for the XML version? View sitemap.xml
Homepage & About
The front door, the philosophy, and the app itself.
Unburden Homepage
The landing page: what the Burden Score is, how the app works, and how to get started.
unburden.moneyAbout Unburden
Who built this, why, and what the privacy-first model looks like in practice.
unburden.money/aboutThe App
Find your Burden Score, build a payoff plan, and track debts on-device. No account required.
app.unburden.moneyCalculators · 15
Free, no sign-up, no bank linking. Every calculator runs in your browser and shares nothing.
Debt Payoff Calculator
Compare Snowball vs Avalanche side by side with a month-by-month payoff schedule.
Credit Card Payoff Calculator
See how long your card takes to pay off, total interest, and what larger payments change.
Budget Calculator (50/30/20)
Apply the 50/30/20 rule and see where your debt payments actually fit in.
Debt-to-Income Ratio Calculator
Get your DTI percentage and find out what lenders see on your profile.
Student Loan Payoff Calculator
Compare standard repayment vs aggressive payoff on federal or private student loans.
Debt Consolidation Calculator
Compare current payments against a consolidation loan and check the real savings.
Compound Interest Calculator
Toggle between debt cost and savings growth with year-by-year breakdowns.
Loan Payoff Calculator
See how extra payments shorten your loan and save thousands in interest.
Balance Transfer Calculator
Check whether a 0% transfer saves money after the fee and the post-promo rate.
Biweekly Payment Calculator
See how switching to biweekly payments adds one extra payment per year and shortens payoff.
Emergency Fund Calculator
Target your emergency fund based on expenses, employment type, and dependents.
Pay Off Debt or Invest Calculator
Debt APR vs after-tax investment return, with a clear numerical verdict.
Gig Worker Debt Payoff Calculator
Model payoff with variable income: safe baseline, surge bonus, realistic timeline.
Side Hustle Debt Calculator
See how much faster extra gig income pays off debt with irregular income modeling.
Tax Refund Debt Payoff Calculator
Apply a refund, bonus, or windfall to your debt and see exactly how many months it saves.
Blog Guides · 24
Debt payoff, ADHD money patterns, and the math behind common advice. All guides are AI-powered and personally QA'd before publish.
Snowball vs Avalanche: 1,000 Real Debt Profiles
Tested on 1,000 realistic debt profiles. Who saves more, who finishes faster, when the difference is negligible.
Why ADHD Brains Get Stuck in Debt Cycles
The four-part cycle and the one strategy that actually sticks.
The 10-Minute ADHD Budget That Actually Sticks
A budgeting system that works with executive function, not against it.
ADHD Money Triggers: 5 Patterns From 100+ Profiles
Boredom Spending, Shame Avoidance, Time Blindness, All-or-Nothing, Friction Deficit.
The Minimum Payment Trap
On a $8,240 card at 24.99% APR, 86% of a $200 minimum goes to interest.
What $100/Month Extra Actually Does
Saves $3,839 in interest and cuts 3.8 years off a $6,500 credit card.
A 2% APR Difference Costs $4,716
The full APR ladder from 18% to 26% on a $15,000 balance.
Paying Off Debt Together
A research-backed framework for couples tackling debt without the friction.
The True Cost of Buy Now, Pay Later
Afterpay, Klarna, Affirm: late fees, deferred interest, credit score hits.
The True Cost of BNPL in Canada (2026)
Per-provider miss rates, deferred interest mechanics, three Canadian scenarios.
The Cost of Waiting to Pay Off Debt
Six months of delay costs $2,299 to $7,834 across three real profiles.
The Burden Score vs Your Credit Score
What your credit score misses about your financial vulnerability.
What Is a Financial Vulnerability Score?
How the score works and why banks don't show one.
What a Debt Free Date Calculator Actually Needs
The inputs most calculators skip, with a $5,000 worked example.
Paying Off $18,000 on a $40K Salary
Modeled timelines, 50/30/20 adapted for debt, exact budget breakdown.
How Much Extra to Cut 1 Year Off Debt
Three amortization scenarios with exact dollar savings.
Side Hustle Debt Payoff: The Real Math
$300, $700, and $1,200/month extra income on $15,000 at 21% APR.
How Much Emergency Fund Do You Actually Need?
Salaried (3-4 months), freelance (5-6), self-employed (7-9).
Pay Off Debt or Invest? The Break-Even Numbers
Debt APR vs after-tax return, with a rate-by-rate verdict table.
Is a Balance Transfer Worth It? The 2026 Math
$10,000 at 25.30% APR moved to 0% for 18 months with a 3% fee.
What Is a Good DTI? (2026 Thresholds)
Formula, 2026 lender thresholds, front-end vs back-end split.
How to Pay Off Student Loans Faster
Standard vs aggressive payoff on a $37,650 average federal balance.
The Debt Consolidation Math
Three variables most lenders don't show you.
The Hidden Tax on Your Debt Payoff
Tariffs add $600 to $1,700/year, pushing payoff timelines out by years.
Free Printables
Pen-and-paper trackers for readers who do better off-screen. Print at home, no sign-up.
Legal & Privacy
The policies behind the privacy-first model.
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. If you are struggling with debt, consider speaking with a Licensed Insolvency Trustee.