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

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.

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.

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

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.

❝It is almost laughable at how easy it is to get this paid off❞

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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