Our CardCalc Wizard calculator will show you the true cost of making only the minimum monthly payment.

Do you know your credit score? Our credit score calculator will give you an accurate estimate of your credit score. Answer these five simple questions and we will calculate your credit score for you.

Get instant feedback on the true cost of your credit cards. Our Minimum Payment Calculator features slider bars that let you play out multiple "what-ifs" in a fraction of a second.

A simple budget system based on 10% Savings, 20% Spending and 70% Living Expenses

An example payment plan created using our software. This example shows how a savings of over 3,300 on 5 credit cards and 1 automobile loan is acheived.

❝Shortly after I started using Zilch I was eligible to buy a house❞

I was looking through my cancelled checks to shred old records and found a check to you for Zilch written on 10/3/1999 for $34.00. Money well spent.

Thank you. Your program accelerated my debt reduction. Shortly after I started using Zilch I was eligible to buy a house and have almost never carried a balance into the next month.

Thanks again.

Rodney Nibbe - Minnesota