ZilchWorks Debt Reduction Software ZilchWorks is the perfect get out of debt solution. Just fill in the blanks and push a button.
Our debt reduction software does one thing, and does it exceptionally well! It helps you get out of debt.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy


YES... You can get out of debt faster than you think!

Imagine how you would feel if you were completely out of debt. Picture yourself not owing money to anyone. What would it feel like to finally be rid of those frequent, irritating thoughts about money and financial tension?

Well guess what, you can get out of debt, and you can get out of debt sooner than you think.

All you need is a plan. A plan that fits within your current financial situation. A plan you create in the privacy and comfort of your own home. A plan you know you can follow.

"I realized with this tool I could be my own debt counselor!"

Kathy McClain - Michigan    Ed.S. Career Educator

"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."

Interested in saving a ton of money in credit card finance charges?

Our Zilch Standard software analyzes your debts, determines the most efficient way to pay them off, and produces a monthly payment schedule that makes best use of your money. By following your personalized debt management 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.

Look how much money will be saved on a typical credit card:

  • Balance Owed: $2,100
  • Interest Rate: 17.9%
  • Minimum Payment: $53
Typical credit card savings achieved using Zilch software
( Try our free CardCalc Wizard online calculator to see your credit card results )

If this was your credit card, you would save $1,387 using our Zilch Standard software. That's a lot of money. Can't you see how pointless it is to be paying money to credit card companies that could go to Christmas gifts, a family vacation or an extra night out a month.

The above example shows you the savings on just one credit card. How many credit cards do you have? How much money are you throwing away? Start saving money right away, order Zilch Standard now!

Would you like an easy way to get out of debt all by yourself?

If you can fill out a check, you can use our Zilch Standard software. You simply fill in the blanks and push a button. It's that easy. Our debt reduction software does the rest.

You will create your very own personalized, debt management plan that shows you exactly how much to pay every single creditor each month. No more guessing who to pay first. No more figuring out the best way to utilize your hard-earned money. We do all of that for you.

Now you can take advantage of trade secrets used by many expert financial counselors in the privacy and comfort of your own home. Order now it's easy!

Guaranteed assurance of absolute and complete privacy.

Your personal and financial information are never shared with anyone! That's right. You purchase our 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

Purchase Zilch Standard with confidence right now!

You will purchase an effective solution that's been tested over time!

Since 1991, we've been helping people just like you get out of debt. We are very good at what we do. We have taken the best ideas on how to get out of debt quickly and safely, and captured them in a simple, software program ready for you to use.

We know our software works, because we hear from our customers all the time. It's more than just helping people like you get out of debt. It's about changing lives. Zilch Standard is top-notch product, buy your copy today!

Rodney Nibbe  -  Minnesota

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

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

Thanks again."
(Received on 03/26/2012 - That's 12½ years later!)

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

(Click on the below images to see an actual ZilchWorks plan)

Are you looking for financial peace of mind?

You will experience financial peace of mind and a sense of accomplishment as you watch your debts shrink and you see your accounts get paid off. Just knowing you made this happen will feel awe inspiring. Your are responsible for the monthly progress. You are the one in control. What are you waiting for? Take control right now and order your copy of Zilch Standard today!

"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.
Tell a Friend  Why ZilchWorks

Our software is easy to use. There is no special skill, knowledge, or expertise required.

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.

From Our Customers  From Our Customers

Zilch is the greatest program I've seen. I can't believe the difference financially, this can do for a person. I sincerely thank you!

Kathy Z.

See all cutomer testimonials

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 2015 by ZilchWorks, All Rights Reserved