ZilchWorks Debt Reduction Software Home Credit Card Math Helps You Avoid Costly Credit Card Mistakes.
Credit Card Math goes behined the scenes and exposes sneaky, cleaver tricks that keep you in debt.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy


Avoid Costly Credit Card Mistakes Forever!

Credit Card Math teaches you how to get out of debt fast, save money and beat credit card issuers at their own game. Credit Card Math goes behind the scenes and reveals the true hidden costs associated with credit card debt.

Discussions about money and debt are difficult. Credit Card Math presents facts in a simple and straight-foward method. Credit Card Math is chock full of easy to understand financial information designed to help you win your battle against credit card debt.

  • Learn why it takes so long to pay off credit cards
  • Find out how to save thousands in credit card interest penalties
  • Learn how to develop a rapid debt reduction plan
  • Discover common credit card traps and learn how to avoid them
  • And much, much, more...

Did you know 60% of every credit card payment is interest?

Robert Gardner  -  Georgia

"After being trapped by the vultures in the credit card industry, I followed your advice and have started to make progress paying off my debts. I never knew about the ways these vicious companies keep a consumer paying for years and years. You have really opened my eyes to this problem.

I have followed your advice for 15 months. My minimums are so low its shocking but I keep making the amount I set up. It is almost laughable at how easy it is to get this paid off but without your help, I never would have been able to do this. Thanks again Mike. Keep doing what you're doing. And I hope you get rich and famous and live a fantastic life." He got very similar bottom lines but it took him considerably longer to do the figuring using his computer spreadsheet."
Linda Baird  -  Grain Valley, MO

"I've been looking and looking for ways to reduce my debt. I first looked at Credit Card Math and then decided to buy your software. I can't wait to get started. Thank you very much."
Tell a Friend  Why ZilchWorks

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

See all the reasons why ZilchWorks

Free Trial  Download

You can download a copy of our award winning Credit Card Math program right here.

Download Now

Free Trial  Operating Systems

Microsoft Windows

Tell a Friend  Tell a Friend

Credit Card Math is a free program you should tell your friends about.

Tell a Friend

From Our Customers  From Our Customers

Wow! This is so simple. I like it. It used to take me forever to figure this out by hand. Thank you very much!

Michaela Kral

See all cutomer testimonials

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.

Copyright 2017 by ZilchWorks, All Rights Reserved