ZilchWorks Debt Reduction Software Home Let ZilchWorks help you get out of debt today!
Our debt reduction software does one thing, and does it extremely well! It helps you get out of debt.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy


Choose the product that's right for you

Zilch Standard Price* Order**
Single User (Download Only) $39.95
Single User (Download & CD-ROM) $51.95
10 User Package (CD-ROM Only) $349.00

Debt Manager Professional Price* Order**
Single User License $249.95
5 User Package $1,199.95
10 User Package $2,199.95

Credit Card Math Price* Order**
Single User (Download Only) $19.95
  • * Price subject to change without notice
  • ** Instant download upon receipt of payment

We DO NOT give, rent, or sell any of your personal information to anyone!

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    "I wish I had known about this program before paying $45 a month..."
    Marlena B. - Canton, Texas
    Marlena B. - Canton, Texas
    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.
    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."
    Dave Falvey, Esq.  -  Groton, CT

    "I want to give a 5 star endorsement of Mike Riley and his software program 'ZilchWorks'. I have known Mike for many years and I have found that in all of our transactions he has been highly ethical and extremely intelligent. I purchased the software program 'Zilch' many years ago and it has been a solid program and does an excellent job in presently the most intelligent plan anyone has ever devised for paying off credit card debt.

    And I know that Mike got his experience in developing his program from volunteering and helping people. That's one of the reasons his program is so affordable. I give Mike an unqualified endorsement as being highly ethical, intelligent and concerned for the welfare of others.

    I'm a bankruptcy attorney and have been in practice for over 27 years and there are very few people to whom I have ever given a 5 star rating and Mike is one of them. And in order to allow you to verify this '5 Star Rating', I'm providing my contact information as follows:"

    Dave Falvey, Esq.
    258 Route 12
    Groton, CT 06340
    Tele (860) 449-1510
    Email: dave@actionadvocacy.com
    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.

    Free Trial  Operating Systems

    Microsoft Windows

    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.

    Copyright 2017 by ZilchWorks, All Rights Reserved