Kathy Z. - Minnesota

“Zilch is the greatest program I've seen. I can't believe the difference financially, this can do for a person. I sincerely 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.

❝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

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.

Robert Gardner - Georgia
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Why ZilchWorks

Our software is easy to use. There is no special skill, knowledge, or expertise required.