Get out of debt in 18 months (or less) with your personalized debt repayment plan

Easy to use software grabs debt details and instantly creates an individualized month-by-month debt repayment schedule.

Are you looking for a quick, easy way to get out of debt?

You simply enter the Creditor Name, Annual Percentage Rate, Current Balance, and Monthly Payment for each of your credit cards and loans. Our debt reduction software does the rest for you.

With the push of a button you instantly create your very own personalized, debt repayment plan. Your plan shows you exactly how much to pay each creditor every single month. No more guessing who you should pay first. No more trying to figuring out the best way to use your hard-earned money to pay off your debt. Our debt reduction software does all of that for you.

Would you like to be out of debt in 18-24 months?

Our debt reduction software has a Dial-a-Date feature that lets you choose the debt free date and automatically calculates how much extra money you need each month to meet your goal.

Let's say you want to to be out of debt in 24 months. You simply dial in a debt free date of 24 months, push a button, and you have a 24-month debt repayment plan. You may decide you'd rather be out of debt in 18 months instead of 24 months. Simply change the debt free date to 18 months and run it again.

This two-minute video show you how to get out of debt in 18 months.

Do you want to save a ton of money in credit card finance charges?

Our debt deduction software analyzes your debts, determines the most efficient way to pay them off, and produces a personalized debt repayment plan that saves you a ton of money. By following your personalized debt repayment plan you will save thousands of dollars in interest penalties.

This is real, hard-earned money. This is your money. This is money you are currently giving away to creditors for no reason.

Would you like a renewed sense of hope and excitement?

Because you instantly see your actual debt-free date, there's a wonderful feeling of hope that comes over you. Hope that immediately turns into belief. A belief that's strong. Why is that belief so strong, because there really is a light at the end of the tunnel. You can see it. You believe it. You know you will get out of debt soon. Now that's exciting.

  • You have a plan to get out of debt on a specified date
  • You know how much to pay every single creditor each month
  • You will make it happen
( Payoff Summary Report )

Guaranteed assurance of absolute and complete privacy!

Your personal and financial information are never shared with anyone! That's right. You purchase our debt reduction software and download it to your computer. What you do with our software from that point on is entirely up to you.

  • No communication goes back and forth across the internet
  • No one will ask you for information
  • No one sees your financial data unless you give it to them

Finally, you can take advantage of trade secrets used by many expert financial counselors in the privacy and comfort of your own home.

BUY NOW $39.95

❝Shortly after I started using Zilch I was eligible to buy a house❞

I was looking through my cancelled checks to shred old records and found a check to you for Zilch written on 10/3/1999 for $34.00. Money well spent.

Thank you. Your program accelerated my debt reduction. Shortly after I started using Zilch I was eligible to buy a house and have almost never carried a balance into the next month.

Thanks again.

Rodney Nibbe - Minnesota

Your program is great! I currently have eight loans out. If I just kept paying off my loans with the minimum payments, it would have taken me over nine and one-half years to pay them off.

By using your program, I will completely payoff all eight loans in three years and one month. I will save over $4,700 in interest payments!

Alex S. - California
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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.