DebtClear vs unbury.me

DebtClear is an Android app that creates a personal debt payoff plan from debts and a monthly budget entered by the user. It compares Debt Snowball, Debt Avalanche, and Stair-Stepper strategies side by side, showing payoff dates, estimated total interest, and a month-by-month schedule for each debt. Supported debts include credit cards, personal and car loans, student loans, medical debt, and other installment debt. The app works offline, needs no login, and stores debt details locally. Optional payment reminders use notifications on the device. The privacy policy says debt details are not uploaded to the cloud or shared with the developer or third parties, although Android auto-backup may include local data in a Google account backup depending on device settings. Firebase Analytics, Firebase Crashlytics, and Google AdMob may collect technical, usage, crash, or advertising data. DebtClear is free at free, with no subscription or premium tier. Its payoff dates and interest figures are mathematical estimates, not financial, legal, or tax advice. The maker says the iOS version is in development and coming soon.

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.