ZilchWorks Debt Reduction Software Home Five simple steps to get out of debt.
ZilchWorks has been helping people just like you save money and get out of debt since 1991.
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Mike Riley - The Zilch Guy


A one minute overview on using our software to get out of debt in half the time.

Step 3 - Choose Your Payoff Strategy And Pledge Money

The next step requires you to choose a Payoff Strategy. There are seven different Payoff Strategies you can choose from:

  • Annual Percentage Rate
  • Quick Elimination
  • Custom Arrangement
  • Lowest Balance First
  • Highest Balance First
  • Lowest Payment First
  • Highest Payment First

Read this article to learn which debt reduction strategy is right for you.

The next step is where you enter Pledge Money. Pledge Money is the extra amount of money (if any) you want to apply toward your debt repayment plan each and every month.

The use of Pledge Money is optional. While adding Pledge Money will make a difference, it is not necessary for you to have any extra money to make this program work.

Step 1 > Step 2 > Step 3 > Step 4 > Step 5
Tell a Friend  Why ZilchWorks

Dealing with debt can be very embarrassing and stressful. We help you put together a step-by-step repayment plan in the privacy and comfort of your own home.

See all the reasons why ZilchWorks

From Our Customers  From Our Customers

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.

Anthony Roberts
Financial Consultant

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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