ZilchWorks Debt Reduction Software Home Find out how bad your debt really is with this free credit card debt calculator from ZilchWorks.
CardCalc Wizard™ lets you see for yourself the true hidden cost of credit card debt.
Let ZilchWorks help you get out of debt today.

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.


Enter your credit card information and click the [ Calculate ] button.

Interest Rate (APR):
Credit Card Balance:
Monthly Payment:
Gladys Terrell  -  Illinois

"I am so excited to have your package! I was just recently calling my creditors trying to get an idea of how long it would take me to payoff my bills at the rate I was going. They weren't very helpful."

Your program gave me EXACTLY what I was looking for. Thanks!! This has been $40 well spent."
Lovina Penry  -  California

"You'd think someone with a Finance degree would be able to avoid debt!"

"You'd think someone with a Finance degree would be able to avoid debt, but my husband and I hadn't avoided it. I had quit working to raise our family, and two of our children had major medical bills. We found ourselves in over $80,000 of mostly unsecured debt. I was desperate when I found ZilchWorks. Your software was like a ray of light shining in on our dark situation.

When I SAW, that we could be debt free by 2011, even though that was years away, it was just the motivation I needed. The printed reports have been vital in our success. They keep me on track when I am tempted to spend money I shouldn't be. I keep them handy so I can glance at them and remind myself where we are headed. The idea that we will have financial freedom THIS YEAR is exhilarating!

I now have the desire to help others get out of their debt situations, so I am happy to tell the world that ZilchWorks can get you there. And by the way, this is a "paid" testimony... we've been "paid" all the interest that would have been shelled out to lenders had I not found this program.

I pray we never find ourselves back in the credit card mess we were in. But if for some emergency we do, I will have the tools ZilchWorks taught me to get us out of it!"
Tell a Friend  Why ZilchWorks

We’ve been helping people just like you get out of debt since 1991. Our methods are successful and have been time-tested.

money back gurantee  Money Back Guarantee

We offer an unconditional, 30-day, money-back guarantee on every product purchased. If, for any reason, you are not satisfied with your purchase, simply notify us within 30 days of the purchase date to receive a full refund.

Tell a Friend  Our Products

Our customers pay 50-60% less in interest penalties and get out of debt 55-65% faster!

Zilch Standard™ Easy to use software helps you get out of debt fast and save money.
Debt Manager Pro™ Spend more time with your clients and less time on creating their reports.
Credit Card Math™ Free program chock full of information that helps you understand the pitfalls of credit card debt.

From Our Customers  From Our Customers

Your program is great! I currently have eight loans out. If I just kept paying off my loans with the minimum payments, it would have taken me over nine and one-half years to pay them off.

By using your program, I will completely payoff all eight loans in three years and one month. I will save over $4,700 in interest payments!

Alex S.
California

More... »

ZilchWorks helps people get out of debt. We have been teaching the payment snowball method for elliminating debt since 1990. Our most popular product, Credit Card Math™, is chock full of timeless, financial information. Credit Card Math™ first appeared in 1994 and continues to receive thousands of downloads from all over the world. Our Zilch Standard™ product is an easy to use, low cost solution that creates do-it-yourself debt management plans. Zilch Standard™ takes advantage of trade secrets used by many expert financial counselors. Our customers get out of debt 55% - 65% faster. ZilchWorks is owned and operated by Michael J. Riley, a retired United States Marine Corps Gunnery Sergeant.
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