Free stuff from ZilchWorks Tell your friends about our hottest free item the Credit Score Calculator. They'll love it.
We have helped thousands of people just like you get out of debt. Check out our free stuff.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy

CardCalc Wizard ™

Our CardCalc Wizard™ calculator will show you the true cost of making only the minimum monthly payment.
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Credit Score Calculator

Do you know your credit score? Our credit score calculator will give you an accurate estimate of your credit score. Answer these five simple questions and we will calculate your credit score for you.
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Minimum Payment Calculator

Get instant feedback on the true cost of your credit cards. Our Minimum Payment Calculator™ features slider bars that let you play out multiple "what-ifs" in a fraction of a second.
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10-20-70 Budget (pdf)

A simple budget system based on 10% Savings, 20% Spending and 70% Living Expenses
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Example Payment Plan (pdf)

An example payment plan created using our software. This example shows how a savings of over 3,300 on 5 credit cards and 1 automobile loan is acheived.
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Tell a Friend  Why ZilchWorks

We believe you can get out of debt by yourself. All you need is a little help setting up a payment plan.

See all the reasons why ZilchWorks

From Our Customers  From Our Customers

I am really impressed with your software program. It's simply wonderful. Thank you.

John Barrientes
Bloomington, IL

See all cutomer testimonials

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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