Unbury.me Quick Review

My Strategic Dollar Debt, Finance, Personal Finance, Product Review, Student Loans 0 Comments

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If you’ve read my article about the Debt Payoff Methods, you noticed I reference a site called Unbury.me. If you’re interested in understand how each of these methods affect the outcome of your debt situation quickly, this is a great tool! They make it incredibly easy to get a view of your overall debt and payment plan. Let’s walk through the setup process:

When you first arrive at the home page, it’s pretty intuitive that you need to enter each of your loans to see them all aggregated in one view:

You enter each individual loan, then click save. Here are the three that I entered:

One you’ve entered all your loans, you’ll get a high level picture of the information you’ve provided:

One of my favorite things about this site is that you don’t have to create an account or login to use it! You of course create an account if you want to login in the future and track your debt over time.

What will you see?

  1. Total monthly minimum payments
  2. Total principal balance
  3. Interest you’ll pay over the life of the loans if you only pay the minimum payments
  4. Average Interest Rate
  5. Graph that tracks the principal amount reduction over time based on your payment amount

Now you can play around with the features and see how they affect each of the above data points.

Let’s say you want to increase your monthly payment from the minimum of $497 to $1506, per my Debt Payoff Methods article. I found it frustration that I couldn’t figure out how to choose a payment amount that ended with a 0 (ex: $1500 even). I know this isn’t a big deal, but thought I’d put it out there.

Let’s look at the impact of increasing my monthly payment:

From this you can see the following high level benefits of increasing your monthly payment:

  1. Your payoff date changes from April 2028 to March 2020
  2. You decrease your total interest paid from $29,271.05 to $5,241.09

You can also see the impact to the principle balance over time:

The impact to the total interest paid over time:

The amount of your monthly payment that goes to each debt over time:

The percent of your monthly payment that goes towards principal over time:

Each of the pictures I’ve used in this article are based on the selector for the Avalanche Method, but you can also run this information on the Snowball Method as well.


This tool is super easy to use and very user friendly! There are obviously more powerful tools out there if you’re interested is doing more budgeting and money management, but this certainly gets the job done when looking into debt, payment amounts, payment method and the impact to the life of your deb. And did I forget to mention how easy it was to use! Go try it out and let me know what you think!

-My Strategic Dollar


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