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 extremely well! It helps you get out of debt.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy


Fast, affordble, and effective do-it-yourself solutions for getting out of debt are available right here.

Wouldn't you like to be in control of your debt?

For the first time ever, you can be in control of your debt. Just stop and think about that for a second. Imagine the sense of power you will feel because you are in charge of your debt.

Wouldn't you feel relieved, just knowing you had your very own plan for getting out of debt. A plan you created. A plan you know you can follow. Well guess what, your plan is just one click away!

Are you interested in saving thousands of dollars?

By following your personalized debt payment 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 giving away to creditors for no reason.

Look how much money we can save you 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'd save $1,387 using our 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 birthday gifts, a family vacation or an extra night out a month.

The above example shows 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 now!

We make it easy for you to get out of debt all by yourself.

If you can fill out a check, you can use our 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, get out of debt payment plan that shows you exactly how much to pay each 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!

Would you like to be assured absolute and complete privacy?

You never share your personal or financial information with anyone! EVER! That's right. You purchase our software and download it to your computer. What you do with our software from then on is totally up to you.

  • No information 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 with confidence right now!

We offer you 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've taken the best ideas on how to get out of debt quickly and safely, and captured them in a simple to use computer program.

We know our software works, because we hear from our customers all the time. And you know what, It's about more than just getting out of debt. It's about changing people 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?
Are you looking for financial peace of mind?

Because you can instantly see the actual date you will be debt free, there is a tremendous feeling of hope. Hope that quickly turns into belief. A belief that's strong. Why, 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
  • You can see it
  • You will make it happen

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

You will also experience financial peace of mind and a sense of accomplishment as you watch your debts shrink and you see your accounts get paid off. The feeling of knowing you made this happen is 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 ZilchWorks 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.
Sabreina Johnson  -  North Carolina

"I am very impressed with your software. I did not want to go through credit counseling and have it look bad on my credit report, but I needed someone to tell me who and how much to pay each month.

Your software does just what I needed. I love it. Thanks again."
Gladys Terrell  -  Illinois

"I am so excited to have your package! I was just recently calling my creditors trying to get an idea of how long it would take me to payoff my bills at the rate I was going. They weren't very helpful."

"Your program gave me EXACTLY what I was looking for. Thanks!! This has been $40 well spent."
Tell a Friend  Why ZilchWorks

Why not ZilchWorks.

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 helps you get out of debt fast and save money.
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