Unbury.me

What Is Unbury.me?

Unbury.me is a free web-based debt calculator that does one thing: it shows you how long it will take to pay off your debts using either the snowball or avalanche method, and how much interest you’ll pay with each approach.

There’s no app to download, no account to create, and no email to hand over. You open the website, enter your debts (name, balance, interest rate, minimum payment), and immediately see a visual timeline and cost comparison. That’s it. The whole process takes about two minutes.

The site generates a shareable URL with your debt data encoded in it, so you can bookmark your scenario or send it to someone without creating an account. It’s about as simple as a financial tool can be.

Who Is Unbury.me Best For?

People who are just getting started. If you’re at the “I have a bunch of debt and I don’t even know where to begin” stage, Unbury.me is the perfect first step. Before you download any app, create any account, or commit to any system, spend two minutes on this site and see where you stand. It’s the fastest way to go from “overwhelmed” to “okay, I have a timeline.”

Comparison shoppers. If you’ve heard about snowball and avalanche but aren’t sure which one is right for you, Unbury.me shows both strategies side by side with your actual numbers. You’ll see exactly how much interest each approach costs and how the payoff timelines differ. It’s the clearest comparison tool available.

People who hate signing up for things. No email. No password. No “verify your account” email that takes 10 minutes to arrive. You just use it. In a world where every tool wants your contact information, Unbury.me’s no-signup approach is refreshing.

People who want to share their situation. The shareable URL feature is underrated. You can enter your debts, generate a link, and send it to a financial advisor, accountability partner, or spouse. They can see your numbers and the comparison without needing to create their own account. It removes a barrier from what can already be a vulnerable conversation.

Pricing

Unbury.me is free. Completely, genuinely, no-strings-attached free. There’s no premium tier, no ads, and no subscription. It appears to be a passion project, which is both wonderful and worth noting. Passion projects don’t always stick around forever, so if you find a scenario you want to keep, bookmark the URL.

Our Take

Unbury.me is the financial equivalent of a really good napkin sketch. It won’t manage your finances, track your payments, or remind you when bills are due. But it will show you the shape of your debt payoff journey in about two minutes flat, and sometimes that’s exactly what you need.

The value here is in clarity and speed. When you’re feeling overwhelmed by debt, the act of entering your numbers and seeing a concrete payoff date can shift your mindset from “this is hopeless” to “okay, this is doable.” That psychological shift matters more than most people realize.

The limitations are real, though. Two strategies (snowball and avalanche) is fewer than most dedicated debt apps offer. There’s no ongoing tracking, so you won’t get the satisfaction of marking payments as complete or watching a progress bar fill up. And because there’s no account, you can’t track your progress over time. Every visit is a snapshot, not a journey.

Think of Unbury.me as your starting point, not your destination. Use it to understand your situation, compare strategies, and pick a direction. Then move to a more full-featured app for the day-to-day tracking and accountability. Come back to Unbury.me whenever you want a quick recalculation as your balances change.

For what it is (a free, instant, no-friction debt calculator), Unbury.me is excellent. Not every tool needs to be a comprehensive platform. Sometimes the simplest tool is the one you’ll actually use.