Don M. - Evergreen Park, Illinois

“I love this program. I'm going to tell my brother about you. I'm also going to tell my kids to get a copy. Thank you.”

Free Stuff From ZilchWorks

CardCalc Wizard

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

Credit Score Calculator

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.

Minimum Payment Calculator

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.

10-20-70 Budget (pdf)

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

Example Payment Plan (pdf)

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

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!

Lovina Penry - California
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Why ZilchWorks

We believe you can get out of debt by yourself. All you need is a little help setting up a payment plan.