Beverly Pope - Georgia

“I am very excited about this program. It is just what I've been looking for. An answer to prayer actually. Randy and I are trying to get out of debt so that we will have more money to help our elderly parents. May God richly bless you!”

Download A Free Copy

Minimum Payment Calculator FREE

See how much your credit card is really costing you!

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

Instantly see what happens when you add 5, 10, 20 or even 100 extra to your payment each month. The feedback is instant and the savings is truly amazing.

Check out how much you will save by taking advantage of the low-rate credit card offer you just received.

( Main Screen )

( Summary Report )

Download A Free Copy

❝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!

Lovina Penry - California

I found your trial version on Ziffnet. I absolutely love this program, it's helping us buy our first house. Thank you.

Mark Greiner - Beacon, New York
See all testimonials

Why ZilchWorks

We believe you need to be careful how and with whom you share your financial data. Our software never shares your financial information with anyone.