Linda Baird - Grain Valley, Missouri

“I've been looking and looking for ways to reduce my debt. I first looked at Credit Card Math and decided to buy your software. I can't wait to get started. Thank you very much.”

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

❝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

Thank you for having a program such as this. If everyone with debt problems knew about your software and used it, the credit card companies would be the ones in financial trouble.

Thomas Nero - Ohio
See all testimonials

Why ZilchWorks

Deep down you know there really is no magic fix to your debt solution. We are here to help you make that uphill climb with debt repayment strategies that work.