Your debt, made clear
See your way
out of debt.
Kalco's free debt payoff calculator estimates your payoff date and total interest. Enter your balances, interest rates, and minimum payments, then compare snowball and avalanche strategies.
Start free · No credit pull
Try the calculator without signing up or linking a bank.
Clarity, not guesswork
Debt payoff.
One number at a time.
Add each balance, rate, and minimum. Kalco calculates an estimated payoff date based on what you enter.
How payoff estimates are calculatedILLUSTRATIVE EXAMPLE
Debt-free by
March 2029
Total interest
$4,210
Strategy
Avalanche
01 / Compare
Two strategies.
See what changes.
Switch between snowball and avalanche to compare the two payoff approaches.
02 / Stay on track
A plan that moves
with your budget.
Slide your extra payment up or down and see the new date instantly.
ILLUSTRATIVE EXAMPLE
$4,210
Interest avoided by paying $150 extra each month, starting today.
The math, made visible
Every extra dollar has a date attached to it.
Most people never see what an extra payment is actually worth. Kalco models the difference: estimated interest saved, months cut, and an estimated payoff date.
See the full breakdownUnderstand your payoff
Make sense of the numbers.
Learn how payment strategies, minimum payments, and extra payments affect your estimated payoff.
Debt avalanche vs. debt snowball
Compare how the two strategies decide which debt receives your extra payment.
How credit card minimum payments work
Understand why a shrinking minimum payment can stretch out your payoff timeline.
What an extra $100 payment can change
Explore how paying more each month affects credit card interest and payoff time.
Frequently asked questions
Have another question? Contact us and we’ll be happy to help.
Yes. You can enter your debts, compare snowball and avalanche, and adjust an extra monthly payment for free. You do not need an account to see your initial payoff estimate.
No. Kalco currently works through manual debt entry, so you can use it without connecting a financial account. Automatic account connections are planned for Premium later.
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.
No. Kalco uses the information you enter and does not request a credit report to calculate your payoff estimate.
Without an account, your entries remain temporarily stored in your browser. If you create an account and choose to save your payoff, the information is stored with your account. See our Privacy Policy for more information.