Anthony Roberts, Financial Consultant - London

“Michael, your software is absolutely brilliant! Every other debt reduction package I have seen (and I've seen a lot of them) is rubbish. Not worth the time. You are not charging folks nearly enough money. It's worth ten times what you sell it for.”

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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 have a goal, which is to retire soon and spend time with my 2 awesome grandsons, ages 6 and 8. You are going to help make that happen because I'm going to use ZilchWorks to pay off my mortgage as fast as I can.

I originally learned about your software from a friend who uses it. She swears by it! In the past I have used a debt management company to pay off $32,000 of credit card debt, and am paying my last $1,000 on those cards. It has taken 8 long years. I wish I had known about this program before paying that company $45 a month to do what I could have done myself in a shorter length of time.

Thank you for creating this awesome software. God bless you.

Marlena B. - Canton, Texas
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Why ZilchWorks

We've been helping people just like you get out of debt since 1991. Our methods are successful and have been time-tested.