ZilchWorks Debt Reduction Software Home See how much your credit card is really costing you!
Free calculator shows you the true cost of making only minimum payments on your credit cards.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy

MINIMUM PAYMENT CALCULATOR™

Calculate The True Cost Of Credit Cards

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.

It's free. You have nothing to loose. download-now Download your copy right now.


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Summary Report
Jack Germain, Software Reviewer  -  New York

"To make sure this wasn't just computer wizardry, I printed the reports and asked a financial consultant to check them for accuracy.

He got very similar bottom lines but it took him considerably longer to do the figuring using his computer spreadsheet."
Tell a Friend  Why ZilchWorks

If you can fill out a check, you can use our software. It really is that simple.

See all the reasons why ZilchWorks

From Our Customers  From Our Customers

This is a very clever program! Thank you.

John C. Schwartz
West Virginia

See all cutomer testimonials

Tell a Friend  Our Products

Our customers pay 50-60% less in interest penalties and get out of debt 55-65% faster!

Zilch Standard
Easy to use software gets out of debt in half the time and save loads of money in finance charges.
Debt Manager Pro
Spend more time with your clients and less time on creating their reports.
Credit Card Math
Chock full of financial information that helps you avoid the pitfalls of credit card debt.

money back gurantee  Money Back Guarantee

We offer an unconditional, 30-day, money-back guarantee on every product purchased. If, for any reason, you are not satisfied with your purchase, simply notify us within 30 days of the purchase date to receive a full refund.

ZilchWorks helps people get out of debt. We have been teaching the payment snowball method for elliminating debt since 1990. Our most popular product, Credit Card Math™, is chock full of timeless, financial information. Credit Card Math™ first appeared in 1994 and continues to receive thousands of downloads from all over the world. Our Zilch Standard™ product is an easy to use, low cost solution that creates do-it-yourself debt management plans. Zilch Standard™ takes advantage of trade secrets used by many expert financial counselors. Our customers get out of debt 55% - 65% faster. ZilchWorks is owned and operated by Michael J. Riley, a retired United States Marine Corps Gunnery Sergeant.
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