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.

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.

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. 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.

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.

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 Kalco does not retrieve or verify rates for manually entered debts, so an estimated or outdated APR can affect your payoff estimate.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. Create an account or sign in with your email, then choose whether to save your current browser payoff or use an existing saved payoff. Check the displayed sync status to confirm that changes have been saved.

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.

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.