Get out of debt in 18 months or less

Easy to use software helps you formulate a personalized debt repayment plan to get out of debt fast and save a ton of money

CardCalc Wizard: How bad is your credit card debt?

When you make only the minium payment each month on your credit card it feels like you are simply treading water. This has often been referred to as the debt treadmill. Our CardCalc Wizard calculator will show you the true cost of making only the minimum monthly payment.

You

You+ZilchWorks

With ZilchWorks you will save $1,387.26 on just this one credit card. If you are like most people you have more than one credit card. How much money you are throwing away?

Learn how to get out of debt in 18 months (or less)

❝I realized that with this tool I could be my own debt counselor!❞

I found myself in the predicament of high credit balances. I heard the ads on the radio and TV about debt counselors, and credit counseling companies. I did not feel safe, or comfortable about contacting these strangers and trusting them with all my information.

I did not have the time to go through their process and was suspicious of the true cost of their assistance. Then I found out about ZilchWorks, ordered it, installed it and realized that with this tool I could be my own debt counselor!

This program is so easy to use and does what all the other companies want to charge you for. I was able to work out my payment plan in the privacy of my home. ZilchWorks showed me exactly what to do to reduce my debt as quickly as possible. I am gaining back my financial freedom with ZilchWorks. Thank you Michael for creating this wonderful program.

Kathy McClain, Ed.S. Career Educator - Michigan

I build custom countertops for a living. I used 17 credit cards to open my business. I'm very excited to get to work paying off my debt. Thank you very much.

Fernando Albuquerque Jr. - Toms River, New Jersey
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Why ZilchWorks

Our software does one thing, and does it very well. We help you get out of debt.