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.”

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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.

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❝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

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
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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.