Debt Payoff Planner vs unbury.me

Debt Payoff Planner is a tool for building and following a plan to become debt-free. It supports debt avalanche, debt snowball, and custom payoff orders, and lets users compare how monthly or biweekly extra payments may change the payoff timeline. Debt records can include promotional APRs, payment frequency, due dates, and minimum payment calculations. Users enter payments and new expenses themselves; the planner then updates balances and the payoff plan. It does not connect to financial accounts. The service runs on Android, iOS, and web. Its Free plan is free, and Pro is $2 a month. The maker describes Pro as adding features for more complex situations and says multi-device access is available to Pro members. An account provides secure login and backed-up data, according to the maker. The product is intended for people managing debts such as credit cards, car loans, or student loans on an ordinary income. Its information is not official financial advice.

unbury.me is a web-based loan calculator for planning debt payoff. It generates an optimized payment plan intended to minimize interest and help users become debt-free faster. Two strategies are available: Avalanche prioritizes the highest interest rate, while Snowball prioritizes the lowest principal. The calculator supports balance tracking, and users can save loan information so they do not need to re-enter it. The project began as a small effort in 2011 and has helped thousands of users plan debt strategies. Its Free plan costs nothing, is always free, and requires no login; there is no free trial. The privacy policy describes reasonable safeguards for personal information and says data is retained only as long as necessary for its purposes. The terms do not warrant the accuracy, likely results, or reliability of the materials. Users can email feature suggestions, bug reports, and partnership inquiries.