What it does
Enter your loan — amount, rate, term — and UnBurden shows your monthly payment, total interest, and the full month-by-month schedule. Then it lets you play with paying it down faster:
- Extra EMIs — a few extra payments a year
- Annual step-up — nudge your payment up a little each year
- Lump sums — drop in a bonus, monthly or yearly
Flip those on and it shows exactly how much interest you save and how many months you shave off. Switch between USD, EUR, GBP, and INR, then copy a share link, download the schedule as a CSV, or save the whole plan as a PDF.
Just ask it “what if”
The part I’m proudest of: type a question in plain English — “What if I pay $200 more a month?” — and it answers in plain English, with the real numbers.
The trick is that the AI never does the math. It reads your question, figures out which levers you meant, and the calculator does the actual arithmetic — so the answer can never disagree with the schedule on screen. It’s the honest way to put an LLM in front of numbers.
Why I built it
Every loan calculator I found either buried the “pay extra” math or made you build a spreadsheet to see the payoff. The one number that actually motivates you — how much sooner am I free if I throw a bit more at this? — was always the hardest to get to. UnBurden puts that number one click away, and lets you just ask for it in your own words.
What’s next
- Multiple loans in one view — avalanche vs. snowball payoff strategies
- Save and compare a few scenarios side by side
- Payoff charts (balance over time, interest vs. principal)