Your path. Our plan.
See what your debt is really costing you.
Know when you'll be debt-free and what it takes to get there faster.
Free. No account required.
See the comparison
Debt free March 2053 · Interest $19,847
↓ add $50/month ↓
21 years sooner. $14,203 saved.
Illustrative example, not a calculation of your own debt. Every number in your own projection is entered by you — not lender verified — and reflects the assumptions in our payoff methodology.
How it works
Three steps to a clear payoff date
Add what you owe
Balance, APR, and minimum payment for each debt. Nothing else required, no account needed.
See the payoff
Compare snowball and avalanche side by side, adjust an extra monthly payment, and watch the date move.
Connect for automatic updates
Link your accounts so balances stay current without re-entering them by hand — a premium feature, opt-in.
Questions
Before you start
Is Kalco free?
Yes — adding your debts and seeing your payoff math, including snowball and avalanche comparisons, is free with no account required. Automatic balance updates from connected accounts are a premium feature.
How does the payoff calculation work?
You enter each balance, APR, and minimum payment. Kalco projects a month-by-month payoff using those figures and a stated set of assumptions — see our full FAQ for what is and isn’t modeled.
Is this financial advice?
No. Kalco shows clear payoff math based on what you enter — it does not recommend a specific action for your situation. See our full FAQ and Terms for the complete picture.