How it works
Three steps to a clear payoff date
No account required for the first two. The third is optional, and premium.
Add what you owe
Enter each debt's balance, APR, and minimum payment — a credit card, a car loan, a student loan, anything with a balance and a rate. Nothing else is required, and nothing is sent anywhere until you choose to create an account.
See the payoff
Kalco projects a month-by-month payoff from what you entered. Compare the avalanche and snowball strategies side by side, add an extra monthly payment, and watch the payoff date and total interest move in response — with the improved numbers staged clearly against your current baseline, not buried in a table.
Connect for automatic updates
Link your accounts so balances refresh on their own instead of being re-entered by hand each month. This is optional and part of the premium plan — manual entry remains a permanent, full-featured way to use Kalco.
What the math does and doesn't assume
Every figure you enter is used as entered — Kalco does not verify a balance or rate against your lender. Interest for a typical revolving account (a credit card) is modeled with a common monthly approximation and a minimum payment that declines as the balance does; federal student loans accrue daily. Income-driven repayment and loan forgiveness are recognized and excluded from acceleration by default until you confirm otherwise — see minimum payment and how minimum payments actually work for the full picture.