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.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy

HOW ZILCH WORKS - STEP 5

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

Step 5 - Stick The Monthly Payment Schedule On Your Fridge

Stick the monthly payment schedule on the refrigerator in your kitchen (or someplace you look at frequently) as a constant motivator for sticking to your debt repayment plan.

Tell a Friend  Why ZilchWorks

Deep down you know there really is no magic fix to your debt solution. We are here to help you make that uphill climb with debt repayment strategies that work.

See all the reasons why ZilchWorks

From Our Customers  From Our Customers

I build custom countertops for a living. I used 17 credit cards to open my business. I'm very excited to get to work paying off my debt. Thank you very much.

Fernando Albuquerque Jr.
Toms River, NJ

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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