Your debt, made clear

See your way out of debt.

Kalco estimates your payoff date and total interest. Enter your balances, interest rates and minimum payments, then compare the debt snowball and avalanche strategies to see which gets you there sooner.

See my payoff How it works
  • No credit pull
  • No bank login
  • Cancel anytime

Free calculator

When could you be debt-free?

A quick estimate. No sign-up needed.

Your estimated debt-free date

February 2030

That’s 11 months sooner and about $2,290 less interest with an extra $100 a month.

Without the extra
January 2031
Time saved
11 months
Interest saved
~$2,290

Estimate only. Treats your debts as one balance with a fixed monthly payment, monthly interest and no new charges. The Kalco app plans each debt separately.

Start my 7-day free trial

Then $9.99 a month or $59.99 a year. Cancel anytime. See pricing

How it works

A plan you can follow, every month.

  1. 01

    Add your debts

    Type in each balance, rate and minimum payment. No bank login, no credit pull.

  2. 02

    Choose your payoff order

    Pick the debt snowball or avalanche. Kalco works out the order and shows your debt-free date.

  3. 03

    Follow your monthly plan

    See what to pay on each debt this month. Pay your lenders as usual, then log it in Kalco to keep your plan on track.

Your debts

Visa$6,20024% APR · min $186Credit card
Car loan$8,4007.5% APR · min $260Auto loan
Student loan$12,0005% APR · min $145Federal
Example. You type these in; Kalco never sees your bank.

Your payoff order

Same debts. Your choice of order.

Go for quick wins or the least interest. Switch anytime and Kalco re-plans every month.

  1. Visa

    $6,200 · 24% APR

    Paid off May 2028

  2. Store card

    $900 · 18% APR

    Paid off Jun 2028

  3. Personal loan

    $2,600 · 11% APR

    Paid off Aug 2028

  4. Car loan

    $8,400 · 7.5% APR

    Paid off Jan 2029

Example: $800 a month toward four debts.

Avalanche: highest rate first, for the least interest.

Debt-free by

January 2029

Interest paid

$2,701

Other ways to pay off debt, explained

Pricing

Choose your plan

Start with a 7-day free trial. Same features on both plans.

Yearly

Save 50%

$59.99 / year

About $5 a month

Start free trial
  • Monthly payment plan
  • Snowball or avalanche order
  • Extra-payment what-ifs
  • Payment tracking
  • Billed once a year

Monthly

$9.99 / month

Flexible, month to month

Start free trial
  • Monthly payment plan
  • Snowball or avalanche order
  • Extra-payment what-ifs
  • Payment tracking
  • Billed every month

You add a card when you start, but nothing is charged until your trial ends. Cancel before then and you pay nothing.

Cancel anytime from your account. If you cancel after paying, you keep access until the end of the period you paid for. See the subscription terms.

Kalco is a planning tool. It doesn’t make payments, connect to your lenders, or check your balances.

Learn

Understand your debt.

Plain-English guides with real numbers.

See all articles

Frequently asked questions

Have another question? Contact us and we’ll be happy to help.

The calculator on our home page is free and needs no account. The Kalco app, with your monthly plan, payoff order, what-ifs and payment tracking, is $9.99 a month or $59.99 a year after a 7-day free trial.

No. You type in your debts yourself, so Kalco never asks for your bank login.

No. Kalco calculates payoff estimates. It does not send payments, contact creditors, or negotiate debts on your behalf. You remain responsible for managing payments with your lenders.

No. They’re estimates from what you enter. Rate changes, fees, payment timing and new charges can move them.

In Account, under Manage billing. Cancel during the trial and you pay nothing. Cancel after paying and you keep access until the end of the period you paid for. We don’t refund partial months or years.

See the full FAQ