Frequently asked questions

Yes. Adding your debts and seeing your payoff math — including the snowball and avalanche comparison and an adjustable extra payment — is free, with no account required. Automatic balance updates from connected accounts are a premium feature.

No. Manual entry is a permanent, fully featured way to use Kalco — every balance, APR, and minimum payment can be entered and edited by hand. Connecting accounts is optional and only changes how balances stay current, not what the payoff math can show you.

You enter each debt's balance, APR, and minimum payment. Kalco projects a month-by-month payoff from those figures under a stated set of assumptions: revolving accounts (like credit cards) use a minimum payment that declines as the balance does, federal student loans accrue interest daily, and everything else uses a common monthly approximation. Read the full assumptions on the payoff page, or see how the underlying minimum-payment math works.

Enter the APR from your most recent statement, or your account agreement. Kalco doesn't infer or look up a rate on your behalf — the projection uses exactly what you enter, so an estimated rate produces an estimated projection.

Yes. Cancellation takes effect at the end of your current billing period — see the Terms for the complete billing and cancellation policy.

No. Kalco shows clear payoff math based on the numbers you enter — it doesn't recommend a specific action for your situation, and nothing in the product should be read as personalized financial, legal, or tax advice.

We never sell your information. Balances and account details you enter are used to calculate your payoff and, if you create an account, to save your plan — not for advertising. See the Privacy Policy for the full detail on what's collected and how it's used.