Frequently asked questions

Kalco helps you understand how your debts could be paid down over time. It uses the information you enter to show estimated payoff dates, modeled interest, and monthly projections for different payoff approaches.

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.

You add a card when you start, and nothing is charged for 7 days. If you don’t cancel, your plan starts on day 8 and renews until you cancel.

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.

For each debt, enter its name, type, balance, APR, and minimum monthly payment. You can usually find these details on your latest statement or account documents.

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

Snowball focuses extra money on your smallest balance first. Avalanche focuses it on the debt with the highest APR first. Kalco lets you switch between them and compare how each approach affects your estimated payoff.

Yes. Adjust the extra monthly payment to update your estimated payoff date and modeled interest. Kalco treats that amount as an additional payment made each month, but it does not schedule or send the payment.

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

Kalco models your balances over time using the information you enter, your selected payoff approach, and any extra monthly payment. Results are estimates and may differ from lender calculations because rates, fees, payment timing, new charges, and lender rules can change.

You can manually enter federal and private student loans. Certain federal repayment or forgiveness situations can affect how extra payments are modeled, and Kalco does not determine repayment-plan payments, forgiveness eligibility, or forgiveness timing.

Check your latest statement or account agreement for the APR. Kalco does not retrieve or verify rates for manually entered debts, so an estimated or outdated APR can affect your payoff estimate.

No. Kalco uses the information you enter and does not request a credit report to calculate your payoff estimate.

Yes. Your debts and plan are saved to your Kalco account, so they’re there whenever you sign in.

The free calculator runs in your browser, and nothing you type there is saved. In the app, your debts and payments are stored with your account, and you can export or delete them from Account at any time. See our Privacy Policy for more information.

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.

Kalco provides informational payoff calculations based on the information you enter and the model’s assumptions. Its estimates are not personalized financial, legal, or tax advice and do not guarantee an outcome.