ZilchWorks Debt Reduction Software Home Change your life one debt at a time and take control of your finances.
Since 1991 we have helped thousands of people just like you change threir life one debt at a time.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy

About Us

Michael J. Riley

Hi, I'm Mike (Gunny) Riley the "Zilch Guy". Since 1991 I've been helping people just like you change their life one debt at a time. Debt is a really hard subject to talk about. Just the thought of debt stirs up all kinds of weird thoughts and emmotions.

First things first. Let's get one thing straight. If you are looking for a quick fix that simply makes all your debts go away... stop. Just stop looking. There isn't one.

There are tons of scams going on out there. People in debt are vulnerable and scam artists know this. They are constantly trying to sell a magic wand that simply makes debt go away. A magic wand that does'nt exist.

Fact, geting out of debt is a hard, difficult climb. A climb you can make. I will show you how to make that climb in the fastest way possible. I will show you how to beat the credit card companies at their own game. Roll up your sleeves. Strap on the pack. Lets get going.

Start by downloading a copy of Credit Card Math. Credit Card Math goes behind the scenes and explains the true hidden costs associated with credit card debt. Credit Card Math is the starting point.

How ZilchWorks got started...

In the Summer of 1986 a friend of mine showed me a magazine article on "How to quickly pay off debts". He knew I had a computer (Tandy 1000 SX) and asked me to help him build a payment plan just like the one described in the magazine. I used a spreadsheet program to calculate how to pay off all twenty-one of his debts. It took us over 5 hours to manually figure it out. I remember thinking this was a good idea but not worth that much time.

So, I spent the next three months designing a computer program that would duplicate the results obtained with the manual spreadsheet method. The program was very crude but it worked. At this point it didn't have a name I just referred to it as the "Payoff" program. This is what later became "ZilchWorks - Debt Reduction Software" and today is called "Zilch Standard".

I showed this program to a few friends and they weren't very impressed. So, I copied it to a floppy disk and tossed it in a drawer. It sat there for about 3 years until one day I was looking for a programming project. I decided to create a more sophisticated version of that old "Payoff" program. My hope was I could sell it to people who needed help getting out of debt.

I spent an entire year of evenings and weekends creating the first retail version of that program. In 1990, I began marketing my software known as "Zilch" through various shareware vendors. Other well-known shareware authors I got to know (actually, I picked their brains) told me not to expect any sales for six months to a year. Imagine my surprise when two months later I received my first order from Gifford Wherry of Kennewick, WA. I haven't looked back since.

ZilchWorks is owned and operated by Michael J. Riley, a retired United States Marine Corps Gunnery Sergeant.

Tell a Friend  Why ZilchWorks

Our software does one thing, and does it very well. We help you get out of debt.

See all the reasons why ZilchWorks

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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