Unbury.me
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There’s no app to download for Unbury.me and no account to set up, just a web page where you list each debt’s balance, interest rate, and minimum payment. The tool then sorts them by snowball or avalanche order and shows a payoff graph projecting how long it’ll take and how much interest you’ll pay under whichever extra monthly payment you plug in.
That bare-bones approach is the whole appeal. There’s nothing to configure beyond your actual numbers, no upsell screen, no account to manage, which makes it a fast way to answer a single question: how much faster do I get out of debt if I throw an extra $200 a month at it. It’s web only with no mobile app, so it suits a one-time or occasional check-in rather than ongoing daily tracking, and it’s a solid starting point for anyone who hasn’t yet decided whether snowball or avalanche fits their situation better.