How it works
Understand your payoff estimate
No account is required to enter debts and compare estimates. Automatic connections are planned for Premium.
Add what you owe
Enter each debt's name, type, balance, APR, and minimum monthly payment. You can manually enter credit cards, car loans, and student loans. Anonymous entries remain temporarily in your browser. Signing in alone does not upload or replace your draft; you can choose to sync and save it to your account.
Planned for Premium
Optional automatic account connections and updated balances are planned for Premium. They are not currently available. Manual entry remains a permanent way to use Kalco.
What the math does and doesn't assume
Kalco uses your entries and its calculation rules to build the projection. Kalco does not verify a balance or rate against your lender. Interest for a typical revolving account (a credit card) is modeled with a common monthly approximation and a minimum payment that declines as the balance does; federal student loans accrue daily. Income-driven repayment and loan forgiveness are recognized and excluded from acceleration by default until you confirm otherwise. See minimum payment and how minimum payments actually work for the full picture.