ZilchWorks Debt Reduction Software Home You decide when you want to be debt-free and ZilchWorks does the rest.
ZilchWorks let's you pick a debt-free date and does the calculations for you. It's that easy.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy


You Choose Your Own Debt-Free Date

Simply pick your debt free date and push a button!

All you do is pick your debt-free date and ZilchWorks does the rest. Your customized debt repayment plan is built instantly, right in front of your eyes, based on your specific debt-free date. Watch this two minute video and see how easy it is to pick your own debt-free date.


Mike Riley here from ZilchWorks. I want to talk to you about our dial-a-date feature that comes with our debt reduction software. Dial-a-date lets you pick the debt free date and ZilchWorks does the rest.

To demonstrate how the dial-a-date works I'm going to load a sample file. I'm going to choose sample two. And if you notice sample two has four debts. Total debts $11,242 dollars, monthly payments are equal to $299 dollars, and pledge money is at $100 dollars. To use our dial-a-date feature click on the debt reduction button.

If you notice this debt repayment plan is going to take thirty-seven months to pay off. Now suppose you wanted to be out of debt in twenty-four months instead of thirty-seven months. That's when you would use the dial-a-date feature.

To use the dial-a-date feature you click on the third radio button and dial in the number of months you want your debt repayment plan to take. In this example let's say twenty-four months. Hit the calculate button and ZilchWorks does thousands and thousands of calculations. It determines that you need $259 dollars in pledge money in order to pay off these four loans or debts in twenty-four months.

Now suppose you wanted to be out of debt in eighteen months instead of twenty-four months. Go back down to the dial-a-date section and dial it down to eighteen months. Hit the calculate button and ZilchWorks again does thousands and thousands of calculations and determines that you need $414 dollars in pledge month each and every month.

That is how you use the dial-a-date feature of our debt reduction software. Remember, our debt reduction software has a dial-a-date feature that lets you pick the debt free date and ZilchWorks does the work for you.

This is Mike Riley from ZilchWorks. Thank you for watching.

FAQ: What is Pledge Money?

Pledge Money is the extra amount of money (if any) you can afford to apply toward your debt repayment plan each and every month. The more Pledge Money you can use, the faster you will get out of debt and the more money you will save. While adding Pledge Money can make a difference, it is not necessary for you to have any extra money to make this program work for you.

A.S.  -  California

"Your software is great! I currently have eight loans out. If I had 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 software i will completely payoff all eight loans in three years an one month. I will also save $4,700 in interest payments. Thank you!"
Beverly Pope  -  Georgia

"I am very excited about this program. It is just what I've been looking for. An answer to prayer actually. Randy and I are trying to get out of debt so that we will have more money to help our elderly parents. May God richly bless you!"
Tell a Friend  Why ZilchWorks

We believe that being in debt sucks and we want to help you get out of debt as fast as possible.

See all the reasons why ZilchWorks

From Our Customers  From Our Customers

I am ordering a second copy for my brother and his wife to assist them in their debt management objective.

R. B.
Bloomington, IN

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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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